Special feature of 1905 film network The key words of "To Our Simple Beauty", a popular online drama, occupied all social platforms, and the Weibo Hot Search and Baidu Index remained high. If you haven’t paid attention to this sweet upgraded youth online drama, you may expose your age.

But whether you are born after 70, 80 or 90, you must not ignore the hero — — Hu Yi Tian. He has become the new male god of girls, and the privilege of girls is to watch a play for a "husband", Keke.

Nowadays, the post-90s fairies are already facing the embarrassment of being called "auntie". The post-90s young actors have become an important force in the film and television market in China, and the post-90s new force is gaining momentum. Haoran Liu, Karry and Leo are a group of young actors who are shining on the big screen. They are young and famous, with broad prospects, many fans and great influence.

　　

Different from the traditional way of development, with the advent of the Internet era, online film and television dramas have enriched the entertainment and leisure life of the public, and a group of emerging idols have emerged. Although they are not the youngest as popular students, they must be the most attractive. Octopus’s circle of friends has often been screened by them recently. I want to shout for the girls, "Age is not the key, but face value is the key."

one

Dr.ao jiao

Hu Yi Tian

Place of birth: Hangzhou, Zhejiang

Date of birth: December 26, 1993

Constellation: Capricorn

Height: 188cm

Masterpieces: To Our Simple Little Beauty, Summer Solstice Has Not Arrived.

With the role of first hero’s "Jiang Chen" in the online drama "To Our Simple Little Beauty" turned into a light, Hu Yi Tian quickly captured the hearts of countless girls and gathered a group of "Mahjong" (represented by fans). Please stop laughing, handsome is too foul, my heart is not good enough (covering my face).

Wearing a simple and clean school uniform and carrying a backpack, Jiang Chen, who looks serious, refreshing and not greasy, just walked into our hearts and let us relive the little beauty of those years.

Hu Yi Tian was born as a model, and his debut novel was the youth idol drama "The Summer Solstice hasn’t arrived", which played the role of Ou Jun. He worked hard and never stole the show, so that the octopus had no impression of Ou Jun. Finally, Hu Yi Tian, which was cold outside and hot inside, met Jiang Chen, who was proud and charming, and brought us a long-lost throb.

After studying hard in the cold window for more than 10 years, we all hope to meet a handsome, talented and ambitious boyfriend. Jiang Chen is in line with the vision of most girls. Puppy love is impossible, and the handsome guy who looks like the first love doesn’t know where it is, but the drama of the first love story can still be chased!

Although the theme of youth is the same routine, academic scum and academic hegemony, brave confession and arrogant belly, the interpretation of fresh faces will always arouse our memories of that campus life. Full of classes all day, laughing at tables before and after recess, spitting food in the canteen and homework on the blackboard, and immersing snacks in the canteen to get short-term happiness ….. If you can drop by with your favorite person again, this day will be perfect! You see, Xiao Mei is so simple.

Jiang Chen is a schoolmaster, ranking first in the grade, and passed the independent enrollment of the Mathematics Department of Tsinghua University, but he is unsmiling and cold outside and hot inside. Faced with the confession of Xiaoxi Chen, a lovely girl from childhood, he went all the way, silently jealous and secretly helped, and finally chose the medical major of Zhejiang University for Xiaoxi.

Please give me a dozen boyfriends who can always keep you in my heart!

After entering the university, Jiang Chen changed her indifference, took the initiative to become a lover with Xiaoxi, overbearing the president’s upper body, and Xueba’s love words were also very different. "I want to know what is the difference between lip skin tissue and general skin tissue in touch."

In the latest finale, Dr. Jiang, who returned from school, took the lead in trying to get back together with Xiaoxi after breaking up for three years. In the play, the two of them finally got married, sprinkled a laundry list of sugar, and then poured into bitterness after the sweetness, because another play was finished. Thank you for coming back. We can go back.

In an interview, Hu Yi Tian, who was cold to restore Jiang Chen, revealed that he was cold only when he got along with strangers. In the play, Hu’s small expression creatively shows Jiang Chen’s spoiled heart under his cold expression. As can be seen in the set tidbits, Hu Yi Tian is lively and naughty in private and very easy to get along with.

With the popularity of the series, Hu’s popularity increased exponentially, and the number of fans in Weibo rose sharply. However, he is not good at running Weibo, and his interaction with fans is unfamiliar but so real and lovely.

Recently, Hu Yi Tian won the TV drama potential actor of the year award of Tencent Video Starlight Award for "To Our Simple Little Beauty". This is just the beginning. I hope this sunny boy with pear vortex and nose mole will bring us more excellent works.

two

Baibian xiaobai

Good Bai

Place of birth: Beijing

Date of birth: October 15, 1993

Constellation: Libra

Height: 183cm

Masterpieces: Cyclone Girl, Summer Solstice Not Arrived.

The first time I met this young Beijinger was in the online drama "In a hurry that year" in 2014. This drama was adapted from Jiu Yehui’s best-selling novel of the same name and directed by Yao Tingting. It can be said that it is the originator of online youth love drama, which earned me enough tears.

Bai Jingting plays the role of Er Qiao Burning, which is a warm man’s setting and a good brother of Chen Xun, so he has no choice but to secretly love Fang Fen. Every time Fang Fen is sad because of Chen Xun, he always sends him care at the first time, giving him the warmth of his lover as a good friend. When we are young, we are easily moved by warm love, and we don’t understand the moving of the flowing water.

I will always remember the way Qiao Ran read this composition carefully, and I want to say for him that the girl who will never forget is you, Anise.

A lilac flower

Every year in spring, when lilacs are in full bloom, I will think of someone. She was the first girl who made me feel that lilacs are also beautiful flowers.

I can’t remember when I began to pay special attention to her. If time can be divided into pictures like focus plane, the first picture about her that flashed in my mind now is next to a clump of lilac trees.

It was a beautiful spring day. When she walked by the lilacs, a breeze suddenly blew, and the light white four-petal flower floated down and landed on her hair and shoulders, as if it had rained flowers for her. I stood behind her and smelled the fragrance. Maybe the picture was so beautiful. In a trance, I couldn’t tell whether the fragrance came from flowers or from her.

Later, I often passed by the flowers. Because of her, I always stopped there for a while. I met her occasionally, but she never looked at those lilacs again.

That spring, I remembered it, but she forgot it.

There is only one spring every year, and I don’t know how many springs we will pass by. Someone told me that five-petal lilacs can give people happiness, so I found so many five-petal lilacs that I found the legend unbelievable, but I never dared to give her one.

Finally, one day, I walked through the flowers with lilacs on the day when they gave off charming fragrance. She was wearing a white coat and dark sneakers that day. I can’t remember the rest because I haven’t looked up much. She doesn’t look happy, she asked. Is there anyone I can’t forget? I said, yes. She said, since I can’t forget the past, what about the person I like now? I said, the person I like now is the one I can’t forget. She asked, what about the person she likes in the future? I said, we can’t forget together. She said that I lied to her. I asked, will you forget me? She shook her head. I then asked, do you like me? She didn’t answer, but I knew the answer. So I said to her and to myself, you see, it’s not a great thing not to forget.

I picked a five-petal clove from the bush that day and gave it to her, and she gave me one back. If this lilac works, then I would rather give my happiness to her.

In fact, I want to add a sentence to all my answers in the above conversation.

You’re the one who can’t forget.

The person I like now is you.

No matter before, now or in the future, you are the one who doesn’t want to forget.

I gradually understood one thing. I like cloves, white and pink, blooming and withered, and I like them all. Just like I like her, no matter what she looks like, long hair and short hair, whether it’s mine or not, I like them all.

This spring, I remember, will she forget?

After playing several roles of warm men, in 2016, Bai Jingting, whose edge is gradually emerging, starred in Who’s Youth Is Not Confused. Xiao Bai, who is full of youth, still plays a student, but this time, he has become a scum.

Gao Xiang is a rebellious teenager. He lives alone with his grandfather, but he has a dream of "flying". He constantly provoked the authority of Lin Tianjiao, the "female schoolmaster", and the relationship between the two began to ease after many confrontations. He finally realized his dream of flying, and with his encouragement, Lin Tianjiao also did his favorite astronomical work.

If the cheerful and brave Gao Xiang character is close to Bai Jingting’s own character, then in Detective Star, Xiao Bai is brave enough to be himself. At the beginning, the crew met his requirements for eating goods, and Xiaobai was finally able to eat props aboveboard.

In order to support the "richest man", he bought props to show off his wealth, which can be said to be very dedicated.

In this reasoning program, Xiao Bai is still wise, calm and witty, and often hits the nail on the head, solving puzzles, which has been well received by his predecessors. His ever-changing shapes also feast the eyes of the audience.

Some time ago, Xiaobai was suspected of wearing flesh-colored autumn trousers in ripped jeans and became a spokesperson for health and fashion, so she went on a hot search. In front of reporters, honest and frank’s witty, humorous Xiaobai, who incarnates as a paragraph hand, has frequent golden sentences, which can be described as a mudslide in the interview field.

The rehearsal video of Xiaobai dancing that flowed out from the Internet caused the girls to scream for a while, and their dancing skills increased, and their goodwill soared, so they could watch it intently for many times.

Bai Jingting graduated from the Conservatory of Music of Capital Normal University and has a restless soul of rap. Xiao Bai sang RAP at Happy Camp for the first time as a talent show and introduced himself seriously. "I am Bai Jingting, not a substitute for anyone. It doesn’t matter if you don’t know me. I hope I can attract you one day. " But the effect is not satisfactory.

The second time Xiao Bai went to the fast book, he got up the courage to sing RAP, and wanted to avenge himself. As a result, he forgot the words. However, his earnest efforts make people want to laugh and be moved, and many people turn from passers-by to fans.

Xiao Bai is Zhu Gusheng’s character, but he is correct in his three views and thinks that marriage is a long and long-lasting thing. Facing the fans’ preferences, he actively guided and spread positive energy. In an exclusive interview, he once said, "It’s been two years since the first episode of" In a hurry that year "was broadcast, but I still thank you for choosing to grow up with me. I also hope that my growth and progress in the past two years have not let you down, and then I will keep working hard, and I hope that you can grow up with me again and then become better yourself."

Never tire of looking at each other, only Jingting Mountain. Who wouldn’t love such a changeable white? !

three

Big boy

Ji Lingchen

Place of birth: Leshan, Sichuan

Date of birth: July 15th, 1993.

Constellation: Cancer

Height: 190cm

Occupation: modeling

Speaking of Ji Lingchen, your first impression may be Adi’s boyfriend. Indeed, after their public affair in Weibo in 2015, they often entered the public eye as lovers.

Let’s not talk about the high value of the two people, just the name is very suitable, and the couple’s blockbuster together is also cool.

In addition to her first identity, Ji Lingchen is a domestic first-line model and has been on Milan Fashion Week. Each hard photo is remarkable, sometimes sunny, sometimes handsome, sometimes gentleman, and it is a walking hanger.

After reading this set of hard photos, don’t be deceived by his cold expression. Ji Lingchen participated in the latest variety show "Dear Inn", and the funny nature was exposed.

Adi and Ji Lingchen are affectionately called "dust-clearing" couples by the audience, and the loveliest and loveliest couple with poor height have countless daily exchanges.

In the program, Mr. Ji showed the textbook-level methods of coaxing his girlfriend, taking the initiative to admit mistakes, showing kindness, coquetry and sympathy, and fancy sweet words. Finally, nothing can’t be solved by a kiss. The straightforward solution, the boyfriend is full of strength and hormones are bursting.

Ji Lingchen, who is five years younger than Adi, is like a big boy. When he fights with his brother Sean, he ignores the existence of his girlfriend and forgets her feelings. But in any case, he will never have a cold war with his girlfriend, and he will always go to comfort him at the first time. Girls sometimes don’t want much, just want their lover to pay more attention and care.

He is sincere and unpretentious, with a mouth open and a strong northeast accent. He likes to sing at the top of his voice, regardless of whether he is out of tune or not, and instantly draws closer to the audience.

Through the program, Octopus learned that Ji Lingchen was young, had rich experience, had done many jobs, sold barbecues and worked as a Taobao model.

As a model, he also has an exclusive craft — — Take pictures. He is not only in charge of framing and composition, but also can guide the photography posture.

A casual shot is a sense of sight, which is the legendary boyfriend who can take pictures in other people’s homes. In the face of a boyfriend who has a high face value, can take pictures, understands fashion and will deceive people, of course, I choose to forgive him!

You have a thousand reasons to be angry, and I have ten thousand ways to make you happy.

Starting from the face value, falling into talent and being loyal to character, only by making more excellent works can they win the audience’s persistent love. I look forward to the outstanding performance of these popular young people! Are you infatuated with flowers today?

　　Investigation motive

　　In order to protect consumers’ rights and interests, the China Insurance Regulatory Commission previously issued the Interim Measures for the Retrospective Management of Insurance Sales Behavior, which was formally implemented on November 1, requiring insurance companies to implement the "double recording" system in key business areas, that is, by recording and videotaping the scene of the insurance sales process, it is convenient for the regulatory authorities to check and check at any time, and conduct retrospective management in case of disputes, thus protecting consumers’ legitimate rights and interests.

　　The new insurance sales regulations, especially the regulations on "double recording", have been implemented for some time. How are these regulations implemented? The "Legal Daily" reporter investigated this.

　　□ Our reporter Du Xiao

　　□ Intern of this newspaper Ding Qiqi

　　Recently, the China Insurance Regulatory Commission released the complaint data of insurance consumption in the first three quarters of 2017. In the first three quarters, the CIRC and the insurance regulatory bureaus received a total of 72,279 complaints about insurance consumption involving insurance companies. According to reports, among the complaints involving personal insurance companies, there are 17,160 sales disputes, accounting for 49.56% of the total complaints of personal insurance companies. The types of insurance involved in sales disputes focus on dividend insurance and ordinary life insurance, which mainly reflect problems such as promising high returns, exaggerating insurance liability, concealing insurance period, payment period and surrender loss.

　　In view of the frequent occurrence of insurance sales disputes, the Interim Measures for the Retrospective Management of Insurance Sales Behavior issued by the China Insurance Regulatory Commission was formally implemented on November 1, which stipulated that the insurance sales process should be recorded and videotaped on the spot. This provision is considered to effectively protect consumers’ rights and interests. However, the reporter found in the interview that the causes of some problems existing in the insurance sales process are more complicated, and it remains to be seen whether the "double recording" regulation can be implemented.

　　"Double recording" is conducive to improving credit.

　　For a long time, sales deception and misleading behavior are the pain points of the insurance industry.

　　Cao Wei, a salesman of an insurance company, admitted that misleading consumption did exist in the sales process.

　　"There are many misleading consumer behaviors, which cannot be avoided. For example, exaggerating the insurance coverage will make customers feel that they can pay for everything, but it is actually just an accident insurance. In addition, there are functions of misleading consumer accounts, exaggerating interest rates, and saying premiums as principal. " Cao Wei said.

　　Wei Hong, who lives in Shuangyushu Dongli, Haidian District, Beijing, once bought insurance. She told reporters, "When salesmen sell products to us, they often emphasize how high the income is, and rarely remind us of the risks in the policy, nor tell us the right to hesitate. Sometimes, the salesman will also say that a product with high cost performance will raise the price or stop selling, so as to induce us to buy as soon as possible. "

　　In addition to Wei Hong, many citizens also expressed concern about being misled when buying insurance.

　　Yang Bin, who lives in Weigong Village, Haidian District, Beijing, said, "I am very concerned about the issue of compensation. Those contract terms are so professional that I can’t understand them and I am afraid of being fooled by salesmen, so I trust acquaintances to buy insurance."

　　In addition, Yang Bin usually looks for old employees of insurance companies to buy insurance, "because once there is a problem, you can ask them. If you are a new employee, you may not find anyone in a few months".

　　However, Yang Bin felt that after the implementation of audio and video recording in the sales process, there was no need to worry about these problems. "With audio and video recording, salespeople will naturally introduce products more cautiously and accurately, which can, to a certain extent, avoid exaggerating publicity and blind commitment in order to promote orders, so that we can feel more at ease when buying insurance."

　　After investigation, the reporter learned that many citizens can accept and support the "double recording" work of insurance companies, because many people have mentioned that "the biggest fear is that what the salesman promised is different from what was written in the final contract. ‘ Double recording ’ After the dispute, there will be evidence. "

　　Cao Wei told reporters that the new insurance sales regulations are also a good thing for insurance companies.

　　"Because ‘ Double recording ’ The process includes the insured, and also strengthens the obligations of the insured. The insured must make truthful risk information, such as personal medical history and family medical history. If consumers have moral hazard in the future, insurance companies also have first-hand evidence. " Cao Wei said.

　　In addition, Cao Wei believes that in the long run, the work of "double recording" will help strengthen the credit of the insurance industry and do a good job in protecting consumers’ rights and interests. As word of mouth goes up, product sales will naturally increase.

　　There are many difficulties in the implementation process

　　Although "double recording" is beneficial to all parties, there are still some difficulties in truly implementing it.

　　"There is no problem with the interim measures promulgated by the CIRC, and now every insurance company is implementing them ‘ Double recording ’ The China Insurance Regulatory Commission has also been strengthening supervision. " Cao Wei told reporters that the problem is that there are difficulties in the specific implementation of "double recording".

　　"Now it is not required for all sales activities ‘ Double recording ’ Only when the life insurance applicant who has been in business for more than one year is over 60 years old, has invested in linked insurance or sold life insurance products as a part-time agent for more than one year ’ Double recording ’ . Customers have a little knowledge of these products, so they are skeptical. ‘ Double recording ’ It may make a large number of customers give up buying. " Cao Wei said frankly.

　　"I think that just because of the trouble, we can lose one-third of our customers." Cao Wei told reporters that those who agreed to "double recording" were "absolutely high quality" customers.

　　In addition to Cao Wei, Zhang Xuhua, a salesman of another insurance company, told reporters, "At present ‘ Double recording ’ The system is still not very easy to use, and it is easy to record and not save successfully, so you need to start all over again. "

　　Zhang Xuhua said, "Our company is not going to make a list of people over 60, because we have to lose money if it is not good. We had one in the early stage, and we recorded it three times, so we had to bring gifts every time we went, and the commission was not much. "

　　Cao Wei believes that it is also one of the difficulties that the "double recording" system has no standardized operation flow at present.

　　“‘ Double recording ’ What preparations should be made before? ‘ Double recording ’ When should I say which sentence in the process? What are the different words for different types of insurance? The provisions issued are very general and it is difficult to implement them. A qualified ‘ Double recording ’ Clear standards, so that salesmen can operate according to this standard. " Cao Wei said.

　　Random recruitment leads to constant problems.

　　Cao Wei and Zhang Xuhua both said that "double recording" is only a link to control misleading insurance sales, and it is not a permanent solution. It is also necessary to pay attention to improving the quality of marketers.

　　"In this county where I am responsible, about half of the salesmen have not even graduated from high school." Cao Wei said, "I’m not saying that graduating from high school is like anything, but it can represent a person’s cognitive level and acceptance to a great extent. They can’t even fill out the insurance policy, and they can’t fill it out correctly many times."

　　"In fact, the root of the problem is not them. This is a common problem in the insurance industry, and it is actually a common problem in sales." Cao Wei explained.

　　"Now the insurance industry is taking ‘ Make great strides ’ The practice, when recruiting people, doesn’t care about how high you are, but what matters is how many customers you can bring to the company. " Cao Wei told reporters, "In the insurance industry, like banks, employees have indicators and tasks. Only when the indicators are completed can they have basic wages. Salesmen rely on business and commission to eat. He has to find ways to sell products."

　　This situation is not a case. Zhang Xuhua also talked about this issue. "It is normal not to get the basic salary. When newcomers first join the company, they will first insure their acquaintances. It is generally not a problem to get a basic salary when they can bill. After a few months, acquaintances will basically have no customers. Many people can’t even get a basic salary. If they can’t earn money, they will naturally continue. " Zhang Xuhua said.

　　Zhang Xuhua told reporters that developing customers is a very difficult and technical job. Most people don’t have this skill and it is difficult to learn.

　　"Now every company has a set of employee management measures, which is a very important management part of insurance companies. Our company’s management method focuses on increasing the number of employees and establishing a hierarchical system. " Cao Wei said, "The more employees there are, the more customers there will be. Just like drawing a circle, the bigger the circle, the wider the radiation range."

　　Cao Wei also said that in his personal insurance department, there are mainly four levels of employees — — Director, general manager, director and salesman. "The highest rank is the spire of the pyramid, which can be rewarded by the company according to the performance of all subordinates. The manager of a mature team can earn at least 600,000 yuan a year, and the director is about 100,000 yuan. "

　　(At the request of the respondents, the insurance marketers in this article are all pseudonyms.)

　　Cartography/Li Xiaojun　　

　　Science and Technology Daily, Beijing, May 7 (Reporter Lu Chengkuan) There is also glass on the moon! On the 7th, the reporter learned from the Institute of Physics, Chinese Academy of Sciences that through the systematic material science research on the lunar soil samples of Chang ‘e-5, Chinese researchers discovered various types of lunar glass materials with different origins. More importantly, they also found natural glass fiber for the first time in the lunar soil of Chang ‘e V. Related research results were published online in the National Science Review.

　　When it comes to glass, we usually think of beautiful French windows, colorful glass crafts and electronic screens everywhere. In fact, glass is not only an important man-made material, but also a ubiquitous natural substance in nature. Even on the desolate and barren surface of the moon, there are still rich glass materials produced by volcanic eruption, geological movement, meteorite impact and other activities.

　　Many glasses on the moon can exist stably for hundreds of millions of years. Lunar glass is an important material to explore the mystery of the moon, which not only preserves the ancient lunar material, but also records the environmental information when it was formed. "The lunar soil sample of Chang ‘e V provides an excellent opportunity to reveal the origin and evolution of the moon, understand the lunar surface and space environment, and promote the in-situ utilization of lunar resources. It also provides a valuable sample for the study of extraterrestrial glass materials." Bai Haiyang, a researcher at the Institute of Physics of the Chinese Academy of Sciences, said.

　　This time, the researchers comprehensively analyzed the shape, composition, microstructure and formation mechanism of glass in the lunar soil sample of Chang ‘e-5. They found that there are many glass origins of solid, liquid and gas transition paths on the surface of the moon. The melting and rapid cooling of minerals caused by frequent meteorite and micrometeorite impacts on the surface of the moon have produced various forms of glass substances, including spherical, ellipsoidal and dumbbell-shaped glass beads, cementite with pore structure, and sputtered materials in fluid form.

　　"The glass materials originated from these impacts record the multi-scale impact events on the surface of the moon from thousands of meters to nanometers. The shape of the relevant solidified glass depends on the viscosity of the glass-forming liquid dominated by the impact temperature, from which the impact strength of meteorites can be deduced, which is of great significance for understanding the formation and evolution of lunar soil." Introduction of Dr. Zhao Rui from Institute of Physics, Chinese Academy of Sciences.

　　It is particularly noteworthy that researchers first discovered natural glass fibers in the lunar soil of Chang ‘e V. These glass fibers with ultra-high aspect ratio come from the thermoplastic molding of viscous liquid during impact. Compared with glass beads with low aspect ratio, the liquid viscosity of these glass fibers is higher, which means the corresponding impact temperature and impact rate are lower. This reflects the mild micro-impact event on the surface of the moon.

　　At the same time, "these natural glass fibers prove that lunar soil has good glass forming ability and excellent processing and molding characteristics, and affirm the feasibility of using local materials on the surface of the moon to process and produce glass building materials, which will provide important support for the future construction of lunar bases." Shen Laiquan, an associate researcher at the Institute of Physics of the Chinese Academy of Sciences, said.

　　"The good days of banks have come to an end", which is a common saying in recent years. Indeed, after experiencing the impact of the loss of deposits, the narrowing of interest margins and the decline in profit growth, the days of traditional banks are indeed not as good as in previous years. However, the third quarterly report of listed banks recently revealed that the performance of listed banks has picked up in the first nine months of this year. Is this a temporary rebound or a trend improvement? What new changes have taken place in banks under the new environment? Can the past profit engine continue to exert its strength? Has the industry risk that has attracted much attention been alleviated? For the focus of these markets, a lot of information can be read from the three quarterly reports of 39 listed banks.

　　What does profit growth depend on?

　　The important factor driving the growth rate of bank profits is still the level of interest margin, but banks need to change the growth model that relies too much on interest income.

　　In the third quarter of this year, the growth rate of bank profits rebounded, and the growth rate of net profit of the five major banks was higher than that at the end of last year; Among the joint-stock banks, the net profit of Postal Savings Bank and China Merchants Bank maintained double-digit growth; Among city commercial banks and rural commercial banks, the net profit of Nanjing Bank, Bank of Ningbo Bank and Hangzhou Bank increased rapidly, with a year-on-year growth rate of over 10%.

　　During the year, the bank’s net interest margin rebounded moderately from the bottom, which was one of the important reasons for its steady profit growth. "First of all, since the fourth quarter of last year, there have been significant changes in policy and capital, liquidity is relatively tight, and capital prices naturally go up. Secondly, since the second quarter of this year, the cost of obtaining funds for banks has not increased much, while the demand for credit is relatively strong, and the upward speed of loan interest rates has accelerated, which has led to a slight rebound in bank spreads. Typical is the housing mortgage loan, and now some banks’ first suites in mortgage interest rates will rise by 10%. " Qiu Gaoqing, chief researcher of the Bank of Communications Financial Research Center, said.

　　According to the report of BOC International, the net interest margin of listed banks increased by 3 basis points in the third quarter of this year compared with the second quarter, and the overall improvement of interest margin of large banks increased by nearly 4 basis points, while the level differentiation of interest margin of small and medium-sized banks was still obvious.

　　The decline in non-interest income narrowed, which also reduced the drag on net profit. Qiu Gaoqing analyzed that in the first half of the year, due to the impact of macro-prudential policies and stricter industry supervision, the income growth of bank wealth management and interbank business was limited. Some small and medium-sized banks account for a relatively large proportion of non-interest income, with a high base, showing negative growth year-on-year, and a few banks even have a large decline. Since the second half of the year, banks have gradually adapted to the strict regulatory environment, increased the expansion of non-interest income in other fields, and the decline of non-interest income has narrowed.

　　Take China Merchants Bank as an example. In the third quarter of this year, China Merchants Bank stood out from the rest, with a net profit of 58.805 billion yuan, up 12.78% year-on-year, ahead of other banks. The main reason is that the decline of non-interest net income of China Merchants Bank in the third quarter further narrowed from 8.23% in the first half of the year to 2.1%, and the intermediary business stopped its downward trend and began to resume its upward trend.

　　Although the performance has improved, compared with previous years, the market environment faced by banks has changed, the pace of interest rate marketization reform has been kept, and the downward trend of interest margin level is difficult to reverse. Banks need to change their growth model that relies too much on interest income. Mckinsey’s recently released "China Bank Value Creation Ranking (2017)" analyzes the bank value creation of 40 representative banks. The report points out that the retail business of banks is on the rise, the bargaining power of retail customers is lower than that of corporate customers, and the risk of retail loan concentration is small. Compared with public business, it can better cope with the industry cycle and has stronger anti-risk ability, which is worth increasing investment by banks.

　　Why are banks also "money tight"?

　　Rectify financial chaos, prevent the financial industry from idling and self-expanding, and stop the rapid growth of banking assets and slow down the growth rate.

　　Although the performance has improved, under the background of risk prevention and deleveraging, the "good days" of making money by paving stalls and rushing to scale are no longer there, and many banks also feel that money is tight.

　　At the end of 2016, the assets of China’s banking industry ranked first in the world, and banks with huge bodies appeared in the forefront of the list, which stood out from the rest of the world. This year, the living environment of the banking industry has changed, and the regulatory authorities have made great efforts to rectify financial chaos and prevent the financial industry from idling and self-expansion, especially to strictly investigate the interbank, wealth management and off-balance-sheet business of the banking industry. The growth of banking assets has stopped the express train and the growth rate has slowed down.

　　"By vigorously rectifying the chaos in the banking industry, funds ‘ Disengage from reality to emptiness ’ The momentum has been initially contained. " Recently, Guo Shuqing, Chairman of the China Banking Regulatory Commission, said that since the beginning of this year, the interbank assets and liabilities of the banking industry have both contracted, each by about 2 trillion yuan, the growth rate of wealth management products has slowed down significantly, and the growth of entrusted loans has declined for the first time since 2008.

　　The impact of strong supervision is also clearly written in the third quarterly report of the bank. According to the report of BOC International, the growth rate of the industry scale continued to decline. In the third quarter, the overall growth rate of the banking industry continued to decline compared with the second quarter. The year-on-year growth rates of large commercial banks, joint-stock commercial banks and city commercial banks decreased by 0.3, 1.7 and 1.8 percentage points respectively compared with the end of the second quarter. Among them, CITIC Bank’s assets at the end of the third quarter decreased significantly compared with last year, and the scale of "shrinking the table" reached 394.1 billion yuan.

　　Correspondingly, the growth of bank deposits is slightly weak. "The traditional sources of deposits in banks are facing diversion, and this year, the regulatory authorities have strengthened supervision over wealth management and interbank business, which has led to a significant reduction in the sources of liabilities of some banks, and corporate deposits are not very stable. This year, the pressure on bank deposits is not small and funds are relatively tight." Dong Ximiao, a senior researcher at Chongyang Financial Research Institute of Renmin University of China, said.

　　The bank’s "lack of money" showed up in the third quarterly report. Short-term liabilities such as borrowing from the central bank and borrowing funds grew rapidly year-on-year, which is the main source of the growth of some banks’ liabilities. For example, the loans of Agricultural Bank of China, Ping An Bank and Nanjing Bank increased by 24.88%, 985.61%, 246.19% and 135.51% respectively.

　　What do you think of bank risks?

　　From "Shuang Sheng" to "single drop", the trend of asset quality is further consolidated, but we should be alert to liquidity risks.

　　Balancing income and risk is the essence of bank management. For banks, whether they can relive the "good days" in the past and effectively prevent and control risks is a key link.

　　What is the risk status of the banking industry? Recently, the data released by the China Banking Regulatory Commission shows that the asset quality of the banking industry has remained stable since the beginning of this year, with the non-performing loan ratio decreasing by 0.04 percentage points and the interest-related loan ratio decreasing by 0.47 percentage points. At the end of September, the capital adequacy ratio of commercial banks was 13.3%, the provision coverage ratio was 179.5%, and the liquidity ratio was 48.3%, all of which maintained a good level, and the banking industry’s ability to resist risks was enhanced.

　　"The positive trend of asset quality has been further consolidated. In the third quarter, the non-performing loan balance and non-performing loan ratio of large commercial banks gradually changed from Shuang Sheng to a single drop in non-performing loan ratio, from ‘ Shuang Sheng ’ To ‘ Single drop ’ It is a more gratifying change. " Dong Ximiao said.

　　"Due to the good performance of China’s macroeconomic fundamentals this year and the full exposure of non-performing assets of commercial banks in previous years, the pressure on non-performing assets in the banking industry has eased. According to the data disclosed by listed banks in the third quarter, the NPL ratio of most banks decreased steadily and the growth rate of NPL balance decreased, and the NPL balance of some banks also showed a downward trend. For listed banks with sufficient provision in the early stage, the provision provision strength has decreased with the improvement of asset quality, which has brought positive contributions to profit growth. " Qiu Gaoqing said.

　　Although the risk has been alleviated, it should not be taken lightly. Dong Ximiao said that from the operating conditions of listed banks that have published the third quarterly report, the overall operation of listed banks is stable and the risks are controllable, but it is still necessary to pay attention to the liquidity risks of banks. At present, the main sources of bank liabilities are short-term liabilities, that is, deposits within one year, bills receivable, accounts receivable, etc. This model may not be able to continuously support longer-term bank assets, that is, credit business over one year. In the next step, banks need to optimize the term structure of assets and liabilities and enhance their active debt capacity.

　　Dong Ximiao suggested that we should pay attention to credit risk in the future, further strengthen credit risk management and control, and reduce its erosion of net profit.

　　■ Link

　　All three quarterly reports were released — —

　　The performance of listed companies is improving

　　As of October 31st this year, 1,368 listed companies in Shanghai Stock Exchange disclosed the third quarterly report as scheduled, and 2,051 listed companies in Shenzhen Stock Exchange disclosed the third quarterly report. The data shows that the overall situation of high-quality development of listed companies in Shanghai and Shenzhen stock markets is taking shape, and the effectiveness of supply-side structural reform is further manifested.

　　Operating income and net profit have doubled, and the inherent quality of real economic growth has improved significantly. According to statistics, in the first three quarters, the Shanghai stock exchange companies realized a total operating income of 20.67 trillion yuan, a year-on-year increase of 17.67%; The net profit was 2.04 trillion yuan, a year-on-year increase of 16.68%, and nearly 60% of the companies achieved growth. Among them, the real economy grew steadily, and non-financial listed companies realized a total operating income of 16.08 trillion yuan and a net profit of 0.76 trillion yuan, up 21.29% and 39.52% respectively. Listed companies in Shenzhen achieved an average total operating income of 3.523 billion yuan, a year-on-year increase of 25.6%, and an average net profit attributable to shareholders of the parent company of 258 million yuan, a year-on-year increase of 25.93%; Excluding the financial industry, the average total operating income and net profit of a single company increased by 25.79% and 29.4% respectively.

　　The reform of state-owned enterprises has achieved remarkable results, and the vitality of private enterprises continues to show. In the first three quarters, the layout of the state-owned economy was optimized, and structural adjustment, strategic reorganization and mixed ownership reform continued to advance, which greatly stimulated the vitality, motivation and potential of the state-owned economy. In the first three quarters, the state-owned enterprises in Shanghai achieved operating income of 17.69 trillion yuan, a year-on-year increase of 15.41%; The net profit was 1.82 trillion yuan, a year-on-year increase of 14.78%. Private enterprises continued to maintain their vitality, achieving a total operating income of 2.97 trillion yuan, a year-on-year increase of 33.21%; The net profit was 0.22 trillion yuan, a year-on-year increase of 35.44%.

　　Small and medium-sized board companies accelerate industrial upgrading through endogenous growth and extension expansion, and strategic emerging industrial companies on the Growth Enterprise Market develop at a high speed. As the cradle of cultivating industry leaders and leading enterprises, small and medium-sized board has gathered a large number of excellent companies in sub-sectors and played a good role in demonstrating and guiding. More than 60% of the companies have achieved double growth in revenue and profit. In the first three quarters, the performance of small and medium-sized board companies rose steadily, with an average total operating income of 3.031 billion yuan, a year-on-year increase of 27.33%; The net profit was 228 million yuan, a year-on-year increase of 23.29%. Growth Enterprise Market (GEM) maintained rapid growth. In the first three quarters, listed companies on GEM achieved an average total operating income of 1.083 billion yuan, up by 32.77% year-on-year. The main driving force for its growth came from the rapid development of strategic emerging industries. From the perspective of sub-industries, the growth rate of new energy automobile industry, energy conservation and environmental protection industry, new energy industry and high-end equipment manufacturing industry is outstanding.

　　The annual performance of listed companies is expected to improve. As of October 31, a total of 919 listed companies in Shenzhen disclosed the 2017 annual performance forecast. Among the 27 companies on the main board that disclosed the 2017 annual performance forecast, 74% expect their performance to grow in the same direction or turn losses into profits; Among the 883 companies in the small and medium-sized board that disclosed the 2017 annual performance forecast, 87% expect the performance to grow in the same direction or turn losses into profits; Of the nine companies that disclosed the 2017 annual performance forecast on GEM, 89% expect their performance to grow in the same direction or turn losses into profits. Nearly 80% of the listed companies in Shenzhen that disclose the performance forecast expect the 2017 annual performance to go up, and the annual performance is expected to continue to improve.

　　(Chai Jin)

Jinan: The maximum loan amount is 1 million yuan, and various policies are not repeated.

The maximum loan amount for the first and second suites is the same as that for the first suite. For those who purchase ordinary self-occupied housing and apply for housing provident fund loans within the administrative area of Jinan City, the unified maximum loan amount is: the maximum loan amount for employees’ families who have paid housing provident fund for one person is 500,000 yuan, and the maximum loan amount for employees’ families who have paid housing provident fund for two or more people is 800,000 yuan.

Two, two children and above families (at least one child is underage) in our city to buy ordinary self-occupied housing to apply for provident fund loans, the maximum loan amount according to the family’s current maximum loan limit rose by 25%.

Three, the purchase of high-quality housing to apply for provident fund loans, the maximum loan amount according to the family’s current maximum loan limit rose by 20%. High-quality housing is subject to the identification of the housing and construction department.

Fourth, the birth support policy, the policy of "gathering youth to build a dream spring city" and the policy of high-quality housing are based on the principle of high loan amount and are not repeated.

Qingdao: The maximum loan amount of housing provident fund can reach 1.15 million yuan, and various policies can be enjoyed repeatedly.

The first is to increase the loan limit for purchasing second-home housing provident fund. Unified purchase of the first suite and the second suite provident fund maximum loan amount, the maximum loan amount for double-paid employee families is 800,000 yuan, and the maximum loan amount for single-paid employee families is 500,000 yuan.

Second, the housing provident fund loan support policy for families with many children has been extended to the second suite. If a family with many children in our city buys the first or second set of self-occupied housing, the loan amount of housing provident fund can rise by 20%.

Third, the implementation of high-quality housing, green building housing provident fund loan support policy. According to the confirmation opinions issued by the housing and construction department, the amount of housing provident fund loans can be increased by 20% when employees buy new high-quality houses in our city or new commercial houses that reach the current green building evaluation standard of one star or above.

At the same time, on the premise that the loan amount meets the down payment ratio of provident fund loans stipulated by our city, the floating policy of loan amount can be superimposed, and the maximum loan amount of housing provident fund can reach 1.15 million yuan.

Zibo: The maximum loan amount for the first suite is 800,000 yuan, with a maximum increase of 20%.

Raise the maximum loan amount of housing provident fund in our city, and purchase the first and second sets of self-occupied houses in our city to apply for housing provident fund loans, and the upper limit of loan amount remains the same. If both husband and wife have paid the housing provident fund (including joint loan) continuously and normally, the maximum loan amount for the first suite will be increased from 600,000 yuan to 800,000 yuan, and the maximum loan amount for the second suite will be increased from 500,000 yuan to 800,000 yuan; If only one party pays the housing provident fund continuously and normally, the maximum loan amount for the first suite is still 600,000 yuan, and the maximum loan amount for the second suite is raised from 400,000 yuan to 600,000 yuan. Families with many children who purchase houses or prefabricated houses to apply for housing provident fund loans will continue to implement the preferential policy of increasing the maximum amount by 20%. This notice shall be implemented as of the date of issuance.

Zaozhuang: The maximum loan amount for the first suite is 800,000 yuan, with a maximum increase of 20%. Various policies are not repeated.

First, in the city to buy self-occupied housing to apply for housing provident fund loans, the maximum loan amount for the normal deposit of housing provident fund by both husband and wife of the loan worker family is increased from 500,000 yuan to 800,000 yuan, and the maximum loan amount for the normal deposit of housing provident fund by the employee unilaterally is increased from 300,000 yuan to 500,000 yuan.

Two, in line with the national birth policy, families with many children, in our city to buy self-occupied housing to apply for housing provident fund loans, the maximum loan amount rose by 20%.

Three, in the city to buy prefabricated residential or high-quality residential, the maximum loan amount rose by 20%.

Four, families with many children, prefabricated housing, high-quality residential loan quota floating preferential policies are not superimposed.

Five, the purchase of new commercial housing or second-hand housing to extract housing provident fund for a one-time extraction within 3 years.

Six, this policy adjustment does not involve commercial loans, other housing provident fund loans, extraction conditions are still in accordance with the original provisions.

Dongying: The maximum loan amount for the first suite is 600,000 yuan.

First, adjust the loan amount. If an employee’s family purchases the first set of self-occupied housing and has no record of housing provident fund loans, the loan amount will be adjusted from a maximum of 300,000 yuan paid by one person to 400,000 yuan, and a maximum of 500,000 yuan paid by two people to 600,000 yuan.

Second, adjust the calculation coefficient of loan amount. The calculation formula of loan amount is adjusted from 1.5 times of monthly deposit amount × remaining working months to 2 times.

Third, adjust the amount and method of rental withdrawal. For the fixed extraction of rental commercial housing, the total extraction amount of employees and spouses is adjusted from 1300 yuan/month to 1500 yuan/month, which can be extracted once or multiple times a month during the year.

Yantai: The maximum amount is adjusted to 1 million yuan.

(1) The maximum amount of housing provident fund personal housing loan is adjusted from 600,000 yuan to 800,000 yuan.

(2) For the purchase of high-quality houses such as newly-built prefabricated houses and passive ultra-low energy-consumption self-occupied houses (two-star and above green building standards), the maximum amount of individual housing loans for housing provident fund shall be adjusted to 900,000 yuan.

(3) If high-level talents purchase the first family housing, the maximum amount of individual housing loan of housing provident fund will be adjusted to 1 million yuan; Apply for commercial loans to housing provident fund loans, the maximum amount is 800 thousand yuan.

(4) For families with two children and three children who meet the national birth policy, the maximum amount of individual housing loans for housing provident fund is adjusted to 1 million yuan.

Weifang: The maximum loan amount is 1.7 million yuan.

1. The upper limit of the maximum loan amount of the housing provident fund is raised to 800,000 yuan.

2. For families with many children who buy the first set of self-occupied housing in Weifang, the maximum loan amount of housing provident fund is raised to 1 million yuan.

3. High-level talents who meet the conditions for applying for personal housing provident fund loans will apply for housing provident fund loans for the first time in Weifang, and the maximum loan amount will be raised to 1.6 million yuan.

The purchase of high-quality housing, on the basis of the above increase of 100 thousand yuan.

Jining: The maximum loan amount is 1 million yuan, and various policies are not repeated.

First, increase the maximum amount of housing provident fund loans

For families with many children, if they buy the first or second set of self-occupied housing, the maximum amount of housing provident fund loans will be raised to 1 million yuan.

The maximum amount of housing provident fund loans will be raised to 900,000 yuan for employees’ families who buy high-quality houses.

At the same time, for families who meet the above two situations, the maximum amount of housing provident fund loans is the maximum, and it is not accumulated.

Second, other matters that need to be explained

(1) A family with many children refers to a family that raises two or more children (including adult children and minor children). If there is a history of divorced marriage, the number of children shall be approved by custody.

(2) High-quality housing is subject to the identification of the housing and construction department of our city.

(3) The policies not involved in this adjustment shall be implemented according to the original provisions.

Taian: The maximum loan amount of housing provident fund is 1 million yuan.

Notice on Adjusting the Housing Provident Fund Loan Policy of this Municipality, implemented since March 25, 2024. Purchase the first or second set of ordinary self-occupied housing in this city, and both husband and wife of the borrower have paid the housing provident fund continuously and normally. If the loan conditions of this city are met, the maximum loan amount of the housing provident fund is 800,000 yuan; If the borrower is single (including divorced or widowed) or only one of the husband and wife has paid the housing provident fund continuously and normally, and meets the loan conditions of this Municipality, the maximum loan amount of the housing provident fund is 500,000 yuan.

At the same time, increase the amount of housing loans for families with many children. According to the national birth policy, for families with two children and three children, both husband and wife of the borrower have paid the housing provident fund continuously and normally, and if they meet the loan conditions of this city, the maximum loan amount of the housing provident fund is 1 million yuan; If the borrower is single (including divorced or widowed) or only one of the husband and wife has paid the housing provident fund continuously and normally, and meets the loan conditions of this city, the maximum loan amount of the housing provident fund is 700,000 yuan.

Weihai: You can apply for a loan of up to 800,000 yuan, and raise it by 100,000 yuan for families with many children.

After the maximum loan amount is raised this time, if you buy the first set or two sets of self-occupied houses, the dual-employee families whose applicants and spouses meet the loan application conditions can apply for a loan of up to 800,000 yuan; The applicant can apply for a loan of up to 500,000 yuan for a single-employee family who meets the conditions for applying for a loan.

Increase the loan amount for families with many children. The maximum loan amount for families with two or more minor children to purchase self-occupied housing will be increased by 100,000 yuan.

Liaocheng: The maximum loan amount is 600,000 yuan, and the number of families with many children rises by 10%.

Adjust the housing provident fund loan policy. The maximum amount of family loans paid by dual employees was raised from 500,000 yuan to 600,000 yuan, and the maximum amount of family loans paid by single employees was raised from 300,000 yuan to 400,000 yuan. The minimum down payment ratio of the first-home housing provident fund loan was reduced from 30% to 20%, and the minimum down payment ratio of the second-home housing provident fund loan was reduced from 40% to 30%. Families with many children who have paid housing provident fund in our city apply for housing provident fund loans by purchasing the first set of self-occupied housing in our city, and the maximum loan amount will rise by 10% on the premise of meeting the requirements of down payment ratio.

Rizhao: the maximum is 1 million yuan, and the policy is not superimposed.

The first is to increase the maximum amount of housing provident fund loans. If both employees and spouses meet the loan conditions, the maximum loan amount will be raised to 800,000 yuan; If the loan conditions are met unilaterally, the maximum loan amount will be raised to 600,000 yuan. The first and second sets of housing provident fund loans have the same maximum loan amount.

The second is to increase the maximum amount of housing provident fund loans for families with many children. For families with two or more children, the maximum loan amount will be raised to 1 million yuan if both employees and spouses meet the loan conditions, and to 800,000 yuan if they meet the loan conditions unilaterally.

The third is to use housing provident fund loans to purchase prefabricated houses and high-quality houses, and the maximum loan amount will rise by 20%. High-quality housing is subject to the identification of the housing and construction department.

The fourth is to increase the calculation multiple of the loanable amount of housing provident fund loans. The loanable amount is 20 times of the normal deposit balance of the housing provident fund of both employees and spouses.

The fifth is to adjust the deposit conditions of housing provident fund loans. The deposit conditions of employee housing provident fund loans are adjusted to "continuous full deposit of housing provident fund for more than 6 months (inclusive)".

Sixth, optimize the bidding conditions for commercial housing loans to housing provident fund loans. If the employees and their spouses who have paid in this Municipality have never applied for housing provident fund loans or the first housing provident fund loans have been settled, they may apply for business transfer. It is no longer stipulated that "the borrower should be the borrower who applied for commercial housing loans after January 1, 2017, and the borrower and spouse have not applied for provident fund loans".

Items (1) to (3) are phased support policies, valid until March 31, 2025. At the same time, if a number of policies to increase the loan amount of housing provident fund are applied to families with many children, prefabricated houses, high-quality houses, youth talent policies, etc., the calculation will not be superimposed, and the highest loan amount will prevail.

Binzhou: The maximum is 800,000 yuan, and the number of families with many children rises by 20%. The policy is not superimposed.

Buy self-occupied housing in Binzhou to apply for housing provident fund loans, and both husband and wife of the loan workers will pay normally, and the maximum loan amount will be raised from 600,000 yuan to 800,000 yuan; The loan employee pays the deposit unilaterally, and the maximum loan amount is increased from 400,000 yuan to 500,000 yuan. The upper limit of the first and second sets of housing provident fund loans is consistent.

If the loan employee is a family with many children, the maximum loan amount will rise by 20%. If the loan workers purchase high-quality houses and apply for housing provident fund loans, the maximum loan amount will rise by 20%. High-quality housing is subject to the identification of the housing and construction department.

At the same time, if there are more than two loan quota support policies for families with many children, high-quality houses and high-level talents, the maximum loan quota will not be superimposed, and the highest loan quota in the applicable policies will prevail.

Dezhou: The maximum loan is 700,000 yuan, and there are many kinds of floating policies.

First, increase the maximum loan amount of housing provident fund. The maximum loanable amount for one party to pay the provident fund is 600,000 yuan, and the maximum loanable amount for both husband and wife to pay the provident fund is 700,000 yuan.

Two, the purchase of new high-quality residential housing provident fund loans within the administrative area of Dezhou, an increase of 100 thousand yuan on the basis of the original maximum loan amount.

Three, full-time college graduates and above, in the administrative area of Dezhou city to buy self-occupied housing and use housing provident fund loans, on the basis of the original maximum loan amount increased by 100 thousand yuan.

Four, families with many children to buy self-occupied housing and use housing provident fund loans, an increase of 150 thousand yuan on the basis of the original maximum loan amount.

Linyi: The maximum loan amount is 1.1 million yuan.

If employees who meet the housing provident fund loan conditions buy high-quality houses, the upper limit of the loan amount will rise by 100,000 yuan on the original basis, that is, the maximum limit of the loan amount for single employees is 600,000 yuan, and the maximum limit of the loan amount for dual employees is 900,000 yuan.

Families with many children who buy high-quality housing can also enjoy the floating policy of provident fund loan quota for families with many children. After superposition, the maximum loan amount for a single employee’s two-child family is 700,000 yuan, and the maximum loan amount for a family with three children or more is 800,000 yuan; The maximum loan amount for families with two employees and two children is 1 million yuan, and the maximum loan amount for families with three children and above is 1.1 million yuan.

Heze: The maximum loan amount is 720,000 yuan, and various policies are not repeated.

If a family with many children who meet the national birth policy buys the first set of self-occupied housing or a family with many children with minor children buys self-occupied housing, the maximum loan amount will be increased by 100,000 yuan: for families where both husband and wife normally pay the housing provident fund, the maximum loan amount will be 700,000 yuan; For families who have paid the housing provident fund unilaterally, the maximum loan amount is 500 thousand yuan.

If housing provident fund depositors use provident fund loans to purchase prefabricated houses, the maximum loan amount will rise by 20%: for families where both husband and wife normally pay housing provident fund, the maximum loan amount is 720,000 yuan; For families who have paid the housing provident fund unilaterally, the maximum loan amount is 480,000 yuan.

If a number of housing provident fund loan quota support policies are applicable to families with many children, high-level talents and the purchase of prefabricated houses, the highest loan quota shall prevail.

Original title: "The accumulation fund policies of Shandong cities are summarized! Falling interest rates "

Read the original text

　　CCTV News:According to the WeChat official account news released by Suzhou People’s Society, on November 28th, the Suzhou Municipal Government issued the Notice of the Municipal Government on Printing and Distributing the Measures for the Administration of Talents Settled in Suzhou (Su Fu Gui Zi [2023] No.15). At the same time, the Suzhou Municipal Bureau of Human Resources and Social Security and the Suzhou Municipal Public Security Bureau will formulate the Detailed Rules for the Implementation of the Measures for the Administration of the Settlement of Talents in Suzhou. The New Deal was officially implemented on January 1, 2024.

　　There are 16 measures for the administration of talents’ settlement in Suzhou, which will be implemented soon. Compared with the current policy of talents’ settlement, the scope of the object of "settlement first and employment later" has been expanded, the social security payment period has been shortened, the age has been relaxed, the social security payment in the Yangtze River Delta has been recognized cumulatively, and the application and review process has been simplified.

　　The scope of "first settled and then employed" has expanded.

　　For those groups who are willing to work in the Soviet Union but have not yet worked in the Soviet Union, Suzhou launched the "first settled and then employed" in the 2020 version of the talent settlement policy. This adjustment will further relax the scope of "first settled and then employed" to undergraduate education, intermediate titles and technicians. 1. Talents with academic qualifications: Those with a bachelor’s degree can "settle down first and then find employment". 2. Professional and technical personnel: from senior professional title to intermediate professional title or above (those with professional and technical personnel’s professional qualifications can be handled according to the corresponding catalogue of professional and technical professional qualifications and professional titles in Jiangsu Province and the corresponding professional title level. (3) Skilled talents: Persons with vocational skill level of Grade II (technician) or above who meet the shortage of imported skilled talents (jobs) in Suzhou shall be included in the scope of "settle down first and then get employed".

The social security payment period is shortened and the age is relaxed.

　　1. Relaxation of social security payment period and age for talents with college education: for those under the age of 35, the social security payment time will be shortened from 6 months to 1 month; For those who have paid social security for not less than 6 months, the age condition will be relaxed to 45 years old.

　　2. The social security payment period and age of the vocational skill level III (senior worker) that meets the shortage of imported skilled talents (jobs) in Suzhou are relaxed: the age condition is relaxed from 35 to 40, and the continuous social security payment time is reduced from 6 months to 3 months.

Accumulated recognition of social security payment in Yangtze River Delta

　　To implement the major development strategy of the Yangtze River Delta integration country, the cumulative recognition of social security payment in the Yangtze River Delta region: the time limit for paying social insurance for urban workers in three provinces and one city in the Yangtze River Delta region (except Suzhou) within 12 months before applying for settlement can be calculated by cumulative consolidation when applying for talents to settle down, and the relevant payment period can be regarded as continuous payment in Suzhou, but the social insurance for urban workers should be paid in Suzhou in the month when applying for settlement.

Simplify the declaration and review process

　　By reducing the application materials and simplifying the application process, we will further promote the quality and efficiency of talent settlement services. Specifically: 1. For those employed in the Soviet Union, cancel the preconditions for file transfer; 2. For those employed in the Soviet Union, you can choose yourself or your unit to apply; 3. Cancel the publicity of the object to be settled.

Jia Xiuquan and Shoupeng Wang are in training.

At 00:00 on June 26th, Beijing time, the China women’s football team will play against the Italian team in the quarter-finals of the World Cup. Although the two teams have played against each other seven times before, this is the first time they have met in the World Cup.

In the record of the match between China and Italy, China women’s football team was slightly inferior with 2 wins, 2 draws and 3 losses. The last match between the two teams dates back to 2015, when the two sides drew 1-1.

China made it to the quarter-finals in the previous six World Cups. Jia Xiuquan, the head coach, said at the pre-match press conference that he believed the players were ready for this and wanted to win the recognition of the world football.

Hard work is the key to women’s football in China.

Jia Xiuquan: The women’s football team in China needs to make 200% efforts.

At this World Cup, the "sonorous rose" is really moving. They had 1 win, 1 draw and 1 loss in the previous three group matches, and their tenacious defense made the team lose only one goal, and finally advanced to the top 16 as the third team with better results.

For the knockout, Jia Xiuquan believes that the football match needs a balance between attack and defense. "Blindly defending and attacking may have gains and losses in a game. The highest level of football match is to strive for a balance between attack and defense. Excessive defense and attack are unfavorable to the team’s development."

Talking about the psychological adjustment before the knockout, Jia Xiuquan said that competitive sports are not stress-free, and coaches, support teams and players all have their own pressures. Besides self-regulation and experience, it is most important to improve their skills.

Women’s football girls are relaxed before the game.

"If in the World Cup, we often shuttle back and forth on the channels of the champion, runner-up and top four, the players’ psychology may be very strong, but we have not experienced so many channels, especially in the last 10 or 15 years. It is crucial that players need all aspects to be psychologically strong, and ultimately they need to improve their skills. "

Jia Xiuquan said that the women’s football team in China is not popular, but it needs 200% effort to win the popular team and win the recognition of the women’s football team in the world, and it also needs to treat every game seriously and correctly.

"Which team in Europe is good to play? It is normal for Italy to break into the top 16. Although the Italian women’s football team has not participated in the World Cup for 20 years, the Italian football has the same influence on the world, and it is normal for the women’s football team to make rapid progress. "

For this game, Lippi, the national football coach who will return to China in August, also gave a blessing. "China and Italy are both very strong teams, and only hope to play a good team to win the game."

Shoya Nakajima scored the first goal.

The Japanese Copa America missed the quarter-finals and Shoya Nakajima scored.

On June 25th, Beijing time, the final round of Group C of the 2019 America’s Cup started, and Ecuador drew 1-1 with Japan. At this point, Japan won the third place in the group and missed the top 8, while Ecuador was eliminated from the bottom.

In the 15th minute of the game, Kubo made a direct defense against Britain, and Shinji Okazaki got a single-handed opportunity. Domingos didn’t go far to clear the gap, and Shoya Nakajima got the ball and scored a long-range empty goal, with the Japanese leading 1-0.

It is worth mentioning that Japan has remained unbeaten (2 wins and 1 draw) in the past three games which were first recorded by Shoya Nakajima, and the Japanese international, worth 35 million euros, has also become the "lucky general" of the Japanese team.

In the past 12 games in which Japan scored the first goal, the team remained unbeaten (10 wins and 2 draws). In the past 40 Copa America games, which Ecuador was the first to concede, the team never won (6 draws and 34 losses).

Kubo Jianying’s lore was unfortunately offside first.

The last time the team conceded a goal in the Copa America was back in 1958 (3-1 Paraguay). To make matters worse, Ecuador conceded the goal 15 minutes before the match in three matches of this America’s Cup group match.

However, in the 35th minute, Mina made a ball in the restricted area, and Albelda volleyed a volley and was saved by eiji kawashima, and Mina succeeded in making up the shot. Ecuador immediately equalized the score 1-1. After that, Kubo Jianying broke the door in stoppage time, but it was ruled invalid.

After the game, Ecuador was ranked at the bottom of the group with one point, and Japan was ranked third with two points. Because Paraguay, the third in Group B, was better than Japan, both Japan and Ecuador failed to qualify and missed the quarterfinals of the America’s Cup.

Benitez left Newcastle.

Benitez will join Dalian?

On June 24th, Beijing time, Premier League club Newcastle officially announced that manager Benitez will leave the team after the contract expires on June 30th.

According to the Telegraph, Newcastle thought Benitez would stay. However, the Spaniard refused the second meeting between the two sides to renew the contract, and finally Ashley decided to let Benitez leave the team after the contract expired.

Benitez, 59, entered Newcastle in March 2016. He led a team to complete 146 official games, with a record of 62 wins, 30 draws and 54 losses.

Earlier, according to BBC reports, the Dalian side offered an annual salary of 12 million pounds for Benitez, and it was also reported that Benitez would go to France to coach.

Italian transfer expert Di Mazio reported that Benitez did receive an offer from Dalian, and if he coached Dalian, he would reunite with his beloved Hamsik who coached in Naples.

Little girl’s composition.

Augusto will invite "composition girl" to watch the game.

On June 24th, a Guoan fan published a composition written by her daughter on the Internet, in which the little girl described her love for Guoan’s foreign aid Augusto. However, due to the unclear examination, the composition was written by the teacher as "rewriting, writing familiar people around you".

According to Beijing Youth Daily, Augusto himself and Guoan Club have been informed of this matter. What is certain is that Augusto will invite the little girl and her family to watch the game at home after the final exam.

In the article, the little fan called Augusto "proud" and praised him for his good character. She also said that in the hearts of Beijing fans, Augusto is the captain of Guoan. Once Augusto leaves the stage, Guoan will lose his soul because Augusto has the indomitable spirit.

Although asked to rewrite it, the parents of the small fans are still very pleased. "Although the teacher’s evaluation is not high, I am very pleased as a father who loves football, Beijing’s national security spirit and the city."

Cameroonian women’s football players maliciously pushed China’s referee Qin Liang.

FIFA will investigate Cameroonian women’s football team

According to the Daily Mail, Cameroonian women’s football team will face investigations from FIFA and African Football Association, and may even be punished.

In a women’s World Cup quarter-final that ended in the early morning of June 24th, Beijing time, the English women’s football team beat the Cameroonian women’s football team 3-0. However, during the match, Cameroon once refused to kick off the game, and there were behaviors of spitting on English players and pushing referees.

A FIFA spokesman said on Monday local time: "FIFA is currently investigating this matter." Isha Johansen, president of the Women’s Football Committee of the African Football Association, also indicated that her organization will also be involved in the investigation.

"I am proud of the African team that participated in the Women’s World Cup, but yesterday’s match between England and Cameroon had a very bad influence, which not only involved African women’s football, but also affected the entire African football community."

Zhang Shuai fought a war of words with his opponent.

Zhang Shuai suffered a controversial penalty and accused his opponent of dishonesty.

In the first round of women’s singles at the WTA Eastburn Open in 2019, China Jinhua Zhang Shuai beat host Katie Swan 2-1 and won the first lawn race this season. But then, the two triggered a "war" on social media.

The cause of the incident was a controversial penalty in the game. Zhang Shuai was ruled out of bounds for hitting a ball once, but because there was no eagle eye in this game, she turned to her opponent on the spot, but she still failed to get a change of judgment.

After the game, Zhang Shuai posted on the social platform that,"Who can tell me the truth? Everyone, including my opponent, said that the ball was 100% out of bounds, and sometimes honesty really depreciated. "

Swan replied: "It’s unfair to accuse me. It’s the company’s decision. I was just playing and didn’t see it. There are many misjudgments on both sides, which has nothing to do with my integrity. "

Zhang Shuai retorted:"Girl, I asked you immediately after the line penalty, and you said the same judgment (out of bounds) 100%."

Fredette joined the Suns after leaving Shanghai.

Fredette will represent the Warriors in the summer league.

On June 25th, Beijing time, according to US media reports, the Warriors executives confirmed that jimmer fredette, the former foreign aid of Shanghai Men’s Basketball Team, would enter the Warriors’ summer league lineup.

In March of this year, Fredette returned to NBA from CBA league and joined Suns. After that, he played six games for the Suns, averaging 10.8 minutes and getting 3.7 points.

Recently, it was reported that Fredette might represent the Warriors in the summer league, and Larry Harris, assistant general manager of the Warriors, also confirmed the news in an interview.

Fredette, 30, was once the man of the NCAA. In 2011, Fredette entered the NBA with the No.10 show in the first round, but his league career was not smooth.

After that, Fredette succeeded in CBA Shanghai team. He not only won the 2017 CBA international player MVP, but also averaged the league-high 37.6 points per game.

In addition, according to Chalana, an NBA reporter, on Twitter, the Suns will refuse to implement Fredette’s team option for next season, which also allows Genvre Dette to successfully represent the Warriors in the summer league.　

Yang Yang, the first gold winner of China Winter Olympics, promoted the ice and snow project.

On June 23rd, the 33rd International Olympic Day, parents and children from 40 families put on skates and enjoyed unforgettable parent-child time on the ice at the Century Star Ice rink in Vientiane City, Shanghai.

Yang Yang, winner of the first gold medal in China Winter Olympics and chairman of the Athletes’ Committee of BOCOG, came to the scene to personally explain the Olympic knowledge and demonstrate the basic skating movements.

Yang Yang said that the 2022 Winter Olympics in Beijing is the best opportunity for China to develop ice and snow sports, and the development of ice and snow sports should also start from young people. "If the previous goal was to achieve 300 million people on ice and snow, now is the stage of practicing the goal. We must promote people to walk on the ice and snow and fall in love with ice and snow sports through various special activities."

"With the approach of the Winter Olympics, the activities of Olympic Day in the past two years have focused on ice and snow sports. Last year, Shanghai also held the first public ice and snow day, and more and more opportunities were given to the people, and more and more people would participate. "

Bin Xu, Party Secretary and Director of Shanghai Sports Bureau, said that Shanghai will strive to become a bridgehead of "ice exhibition in the north and south", so this year’s Olympic Day, including some sports activities in the next few years, will be held in ice and snow venues.

　　"Ya ‘an Emergency" On September 6th, WeChat official account, the Ya ‘an Earthquake Relief Headquarters issued an announcement on receiving donations for disaster relief in the Ya ‘an disaster area caused by the "September 5th" Luding earthquake. At 12: 52 on September 5th, 2022, a 6.8-magnitude earthquake occurred in Luding County, Ganzi Prefecture, Sichuan Province, and the disasters in Shimian County and other places in Ya ‘an City were serious, and the city’s earthquake relief work has been fully launched. In order to promote the in-depth development of disaster relief work, it is decided to receive disaster relief donations from the whole society, and the relevant matters are hereby announced as follows:

　　I. Receipt of funds

　　Name of RMB account: Ya ‘an Charity Federation, bank of deposit: China Construction Bank Ya ‘an Branch, account number: 51001778605051502428.

　　Name of RMB account: Ya ‘an Red Cross Society, bank of deposit: China Construction Bank Ya ‘an Branch, account number: 51001778605050884384.

　　Please note when donating: "9.5" Luding earthquake (Ya ‘an disaster area) disaster relief donation funds.

　　Second, the material receiving

　　Materials are received by Ya ‘an Charity Federation, Ya ‘an Red Cross Society and Ya ‘an Youth League Social Service Center.

　　Third, the donation contact number

　　Ya ‘an Charity Federation: 0835-2226804

　　Ya ‘an Red Cross Society: 0835-2310999

　　Yaan Youth League Organization Social Service Center: 0835-5899801

　　Core reading

　　The supreme leader’s cultural thoughts are profound and profound, and he gave correct answers to a series of important topics in cultural construction that meet the requirements of China’s reality and the times, and obtained scientific understanding that conforms to objective laws, which provided a powerful ideological weapon and scientific action guide for doing a good job in propaganda and ideological and cultural work in the new era and new journey and shouldering new cultural missions.

　　Propaganda and ideological and cultural work is related to the future and destiny of the party, the long-term stability of the country, the national cohesion and centripetal force, and it is an extremely important work. Since the 18th National Congress of the Communist Party of China, the General Secretary of the Supreme Leader has put forward a series of new ideas, new viewpoints and new theories on cultural construction in the new era, which enriched and developed Marxist cultural theory, constituted the cultural chapter of Socialism with Chinese characteristics Thought of the Supreme Leader in the new era, and formed the cultural thought of the Supreme Leader. The supreme leader’s cultural thoughts are profound and profound, and he gave correct answers to a series of important topics in cultural construction that meet the requirements of China’s reality and the times, and obtained scientific understanding that conforms to objective laws, which provided a powerful ideological weapon and scientific action guide for doing a good job in propaganda and ideological and cultural work in the new era and new journey and shouldering new cultural missions.

　　Answering the major issues of cultural construction from the height of national rejuvenation

　　Culture is the soul of a country and a nation. Culture makes the country prosperous and the nation strong. General Secretary of the Supreme Leader stressed: "Without the prosperity of Chinese culture, there would be no great rejuvenation of the Chinese nation." Realizing the great rejuvenation of the Chinese nation is the greatest dream of China people in modern times, which requires not only a solid material foundation, but also strong cultural support and spiritual strength. At present, we are promoting the great rejuvenation of the Chinese nation in an all-round way with Chinese modernization. The task of reform, development and stability is arduous and arduous, and all kinds of traditional and non-traditional, predictable and unpredictable risk challenges are unprecedented. The propaganda and ideological and cultural work is facing new situations and new tasks. Chinese-style modernization is a modernization in which material civilization and spiritual civilization are coordinated. How to promote the coordinated development of "two civilizations" and provide strong ideological guarantee, strong spiritual strength and favorable cultural conditions for the construction of a strong country and national rejuvenation is a major issue that needs to be answered urgently.

　　Time is the mother of thought and practice is the source of theory. Since the 18th National Congress of the Communist Party of China, the General Secretary of the Supreme Leader has focused on the overall situation of the great rejuvenation strategy of the Chinese nation, placed cultural construction in a prominent position in governing the country, and constantly deepened his understanding of the regularity of cultural construction. He has twice attended the National Conference on Propaganda and Ideological Work, presided over meetings and delivered a series of important speeches on literary and artistic work, the party’s news and public opinion work, network security and informatization work, philosophy and social science work, ideological and political work in colleges and universities, and cultural inheritance and development. He presided over the The Politburo Standing Committee (PSC) Conference for many times, and Politburo meeting of the Chinese Communist Party deliberated and adopted a series of plans and schemes to publicize the reform and development of ideological and cultural work, inspected various cultural inheritance and development projects in various places and put forward a series of requirements, creatively put forward major conclusions such as "two combinations", and systematically answered a series of major theoretical and practical questions about cultural construction in the new era. The cultural thought of the supreme leader adheres to the soul vein of Marxism and the root vein of Chinese excellent traditional culture, constantly promotes theoretical innovation, guides the practice of national rejuvenation with theoretical achievements that keep pace with the times, and leads the cultural construction in the new era to achieve historic achievements and changes. As a scientific theory that has been repeatedly tested by practice, the cultural thought of the supreme leader will surely lead the Chinese nation to make new achievements in the construction of modern civilization, constantly consolidate the common ideological foundation of the United struggle of the whole party and the people of all ethnic groups, and provide inexhaustible forge ahead for the construction of a strong country and national rejuvenation.

　　Answering Major Issues of Cultural Construction from the Perspective of Global Civilization

　　The diversity of human civilization is one of the basic characteristics of the world. Civilization is colorful because of communication and enriched because of mutual learning. More than 200 countries and regions and more than 2,500 nationalities in the world have different histories, different national conditions and different cultures, which have nurtured colorful civilizations and painted colorful and vibrant pictures of human civilization. At present, the world’s great changes, which have never happened in a century, are accelerating their evolution. The changes of the world, the times and the history are unfolding in an unprecedented way, and various cultural trends of thought are stirring each other. Some western politicians instigated ideological opposition and camp confrontation, the cold war mentality lingered, and arguments such as "clash of civilizations" and "superiority of civilizations" emerged, which not only hindered the exchange and mutual learning of civilizations among countries, but also aggravated the peace deficit, development deficit, security deficit and governance deficit, making human society face unprecedented risk challenges. Facing the question of "What’s wrong with the world? What should we do?", General Secretary of the Supreme Leader stood at the height of the development process of human history, and with a broad vision of the world, successively put forward the concept of building a community of human destiny, the Belt and Road Initiative, the Global Development Initiative, the Global Security Initiative, the Global Civilization Initiative, etc., in order to contribute China’s wisdom and provide China’s plan for promoting the progress of human civilization and building a better world.

　　To solve the outstanding contradictions and problems facing mankind, we need to rely on both material means to overcome difficulties and spiritual strength to be sincere and upright. General Secretary of the Supreme Leader pointed out: "Equal exchanges and mutual learning among different civilizations will provide a powerful spiritual guide for mankind to solve the problems of the times and achieve common development." Chinese civilization has a long history and is eclectic. It is not only a civilization rooted in China, but also a civilization formed by absorbing and learning from other civilizations. Since the 18th National Congress of the Communist Party of China, General Secretary of the Supreme Leader has complied with the trend of the times of tolerance, coexistence, exchange and mutual learning among different civilizations, based on China’s one-million-year human history, 10,000-year cultural history and 5,000-year civilization history, and regarded the creation of new forms of human civilization as one of the essential requirements of Chinese modernization. He not only plans to promote cultural prosperity, build a cultural power and build a modern civilization of the Chinese nation, but also draws a beautiful picture of promoting exchanges and mutual learning among civilizations and prospering human civilization. The cultural thought of the supreme leader runs through the essence of Marxism and the essence of Chinese excellent traditional culture, and contains rich ideas such as "the world is for the common good", "the world is one" and "harmony without difference". It always stands on the right side of history and the side of human civilization progress, advocates the concept of civilization of equality, mutual learning, dialogue and tolerance, and promotes the common values of all mankind, such as peace, development, fairness, justice, democracy and freedom.It provides ideological guidance and spiritual motivation for promoting exchanges and mutual learning among different civilizations, maintaining the diversity of global civilizations and promoting the building of a community of human destiny.

　　Answering major issues of cultural construction from a fundamental political standpoint

　　Jiangshan is the people, and the people are Jiangshan. The people are the creators of history, and the people’s position is the fundamental political position of our party. With the changes in the main social contradictions in our country, people’s demand for a better life is growing and becoming more and more extensive. They need not only a high-quality material life, but also a high-quality spiritual and cultural life. Since the 18th National Congress of the Communist Party of China, the CPC Central Committee with the Supreme Leader as the core has adhered to the fundamental position of taking the people as the center, made systematic plans and arrangements for propaganda, ideological and cultural work, armed people with scientific theories, guided people with correct public opinions, shaped people with noble spirit, inspired people with excellent works, promoted the vigorous development of cultural undertakings, colorful cultural industries, and universal and high-quality cultural public services, constantly met the people’s needs for high-quality and diversified spiritual and cultural life, and answered the question "For whom, for cultural construction".

　　The General Secretary of the Supreme Leader pointed out: "People’s nature is the essential attribute of Marxism, the Party’s theory comes from the people, for the people and for the benefit of the people, and the people’s creative practice is an inexhaustible source of theoretical innovation." The cultural thought of the supreme leader is a theory that comes from the people, for the people and for the benefit of the people. Adhering to the people’s supremacy is a red line that runs through it. The cultural thought of the supreme leader emphasizes that party spirit and people’s nature have always been consistent and unified; Emphasis is placed on establishing a people-centered work orientation, combining serving the masses with educating and guiding the masses, and combining meeting needs with improving literacy; Emphasis on adhering to the people-centered creative orientation and launching more outstanding works to enhance people’s spiritual strength; Adhere to the people-centered research orientation, establish the ideal of learning for the people, and strive to produce more research results that can stand the test of practice, people and history. The supremacy of the people is the theoretical basis, value fulcrum and practice origin of the Supreme Leader’s Socialism with Chinese characteristics Thought in the new era. The Supreme Leader’s cultural thought has always adhered to the people’s position, deeply rooted in the people, and closely relied on the people. It is a theory loved, recognized and owned by the people, showing strong truth power and practical power, and rallying the majestic power of unity and struggle for building a socialist modern power in an all-round way.

　　Answering major issues of cultural construction from the perspective of cultural mission

　　Great times breed great thoughts, and great thoughts lead great times. At present, the great changes in the world that have never happened in a century are accelerating, the great rejuvenation of the Chinese nation has entered a critical period, strategic opportunities and risk challenges coexist, and the propaganda and ideological and cultural work is facing a new situation and new tasks. We must firmly shoulder the new cultural mission and answer the proposition of the times of writing a new chapter of modern Chinese civilization. Since the 18th National Congress of the Communist Party of China, General Secretary of the Supreme Leader has insisted on observing, interpreting and leading the times with Marxism, and constantly promoted the innovation and creation of cultural theories with extraordinary theoretical courage, profoundly answering the important topic of what kind of Socialism with Chinese characteristics culture and how to adhere to and develop Socialism with Chinese characteristics culture in the new era. The cultural thought of the Supreme Leader is the cultural chapter of the Supreme Leader’s Socialism with Chinese characteristics Thought in the new era, and it is a theoretical summary of the practical experience of the Party’s cultural construction in the new era, which indicates that our Party’s understanding of the law of cultural construction in Socialism with Chinese characteristics has reached a new height, and provides a fundamental follow-up for the new era and new journey to consolidate the cultural subjectivity and build the modern civilization of the Chinese nation with "two combinations".

　　The value of scientific theory lies in guiding practice. The General Secretary of the Supreme Leader put forward the new cultural mission of "continuing to promote cultural prosperity, build a cultural power and build a modern civilization of the Chinese nation at a new starting point", and made deployment requirements for cultural work around this new cultural mission, emphasizing the primary political task of arming the whole party and educating the people with the Party’s innovative theory, emphasizing "strengthening cultural self-confidence, upholding openness and tolerance, and persisting in innovation" and putting forward the important requirements of "seven efforts". These important expositions are in line with the "Nine Persistences" put forward by the Supreme Leader General Secretary at the National Conference on Propaganda and Ideological Work in August 2018 and the "Fourteen Emphases" on cultural construction defined at the Forum on Cultural Inheritance and Development in June 2023, with their own emphasis and integration. The supreme leader’s cultural thought is clear and practical, which not only has the innovation and breakthrough in cultural theory, but also has the deployment requirements of cultural work layout. It has both the overall observation of ontology and epistemology, and the specific guidance of practice and methodology. It not only deploys the task of "crossing the river" but also guides the solution of the problem of "bridge or boat", which fully embodies the combination of theory and practice and the unity of world outlook and methodology.It will surely lead us to better shoulder the new cultural mission and build the modern civilization of the Chinese nation.

　　(The author is a special researcher at Socialism with Chinese characteristics Thought Research Center, the supreme leader of Fujian Province.)

　Delegates:

　　Entrusted by the Municipal People’s Government, we will now2008Annual budget implementation and2009The report on the draft budget for 2008 is submitted to the General Assembly for deliberation, and CPPCC members and other people attending the meeting are invited to give their opinions.

　　One,2008Annual budget implementation

　　2008In, all districts, counties and departments in the city fully implemented the spirit of the 17th National Congress of the Communist Party of China and the Third Plenary Session of the 17th Central Committee, with Deng Xiaoping Theory and“Theory of Three Represents"Under the guidance of important thought, thoroughly implement Scientific Outlook on Development and conscientiously implement General Secretary Hu Jintao.“Two are at the forefront of the country."、“A vanguard"The important requirements and the spirit of important instructions on Tianjin’s work, resolutely implement the national macro-control policies and measures, in accordance with the ninth party congress and the third plenary session of the ninth municipal party Committee.“One two three four five six"The goal and thinking of work, forge ahead, work hard, achieve sound and rapid economic and social development, and successfully complete the financial budget tasks set by the First Session of the 15th National People’s Congress.

　　City’s fiscal revenue1490100 million yuan, an increase over the previous year.23.7%, complete the budget103.1%. Deduct the upper central income.588.1100 million yuan, local retained income901.9One hundred million yuan, of which the local general budget revenue675.6Billion yuan, government fund income.226.3100 million yuan. Plus central tax refund and transfer payment subsidies and other funds.182.7One hundred million yuan, when the city’s fiscal disposable income.1084.6100 million yuan. Plus last year’s balance124.7One hundred million yuan, the city’s total financial resources.1209.3100 million yuan.

　　City’s fiscal expenditure1063.4100 million yuan, an increase over the previous year.24.1%, complete the budget98.4%. Of which general expenditure867.8Billion yuan, growth25.4%; Government fund expenditure195.6Billion yuan, growth18.5%. After making ends meet, the budget balance145.9One hundred million yuan, of which the project funds are carried forward.137.2100 million yuan, mainly local construction project funds and central special subsidy funds; Budget net balance8.7100 million yuan, to be approved by the municipal and district people’s Congress Standing Committee after the final accounts, carried forward to this year.

　　Municipal fiscal revenue686.8100 million yuan, an increase over the previous year.22%, complete the budget101.9%. Deduct the upper central income.253.1100 million yuan, local retained income433.7One hundred million yuan, of which the local general budget revenue290.3Billion yuan, government fund income.143.4100 million yuan. Plus central tax refund and transfer payment subsidies and other funds.161.7100 million yuan, less financial transfer payments to districts and counties.46.6One hundred million yuan, the municipal fiscal disposable income.548.8100 million yuan. Plus last year’s balance78.9One hundred million yuan, the total financial resources of municipal finance.627.7100 million yuan.

　　Municipal fiscal expenditure548.4100 million yuan, an increase over the previous year.23.3%, complete the budget104.2%. Of which general expenditure419.8Billion yuan, growth26.1%; Government fund expenditure128.6Billion yuan, growth15.4%. After making ends meet, the budget balance79.3One hundred million yuan, of which the project funds are carried forward.78.7100 million yuan, mainly local construction project funds and central special subsidy funds; Budget net balance0.6100 million yuan, to be approved by the Standing Committee of the Municipal People’s Congress, carried forward to this year.

　　Municipal local retained income exceeded the budget at the beginning of the year.20.2100 million yuan, including road maintenance fees, sea area use fees, new construction land use fees and other special funds exceeded.18.4100 million yuan, in accordance with the relevant provisions of the arrangements for the construction and maintenance of urban infrastructure, the Olympic Games and the Davos Forum environmental comprehensive improvement projects; Excess of general financial resources1.8100 million yuan, mainly for increasing the income of urban and rural residents and supporting earthquake relief.

　　Financial revenue of Tianjin Economic and Technological Development Zone, Tianjin Port Bonded Zone and New Technology Industrial Park (hereinafter referred to as the three zones)274100 million yuan, an increase over the previous year.13.5%. fiscal expenditure119100 million yuan, an increase over the previous year.0.8%. Budget balance of three districts9.1One hundred million yuan, of which the project funds are carried forward.8.5100 million yuan, net budget balance.0.6100 million yuan.

　　In the past year, the fiscal and taxation departments at all levels in our city conscientiously implemented the deployment of the municipal party committee and the municipal government, actively adapted to the requirements of the new situation and new tasks, actively improved the mechanism of increasing fiscal revenue and reducing expenditures, and gave full play to the role of fiscal and taxation functions, and made new progress in all work.

　　(A) fiscal revenue to achieve steady and rapid growth.

　　Driven by the development and opening-up of Binhai New Area, the city has shown a good pattern of coordinated development at three levels, with the continuous expansion of economic aggregate and significant improvement of operation quality, which has laid a solid foundation for fiscal revenue increase. The energy accumulated by key industrialization projects organized and implemented on a large scale in our city is gradually released, which has played an increasingly important role in promoting steady and rapid economic growth, and the new growth points and support points of fiscal revenue have increased significantly.,It has played an important role in overcoming the impact of the international financial crisis, the slowdown of global economic growth and the increasing downward pressure on the economy. Finance and taxation departments at all levels actively respond to the development and changes of the situation, seriously study and formulate practical and effective measures, deeply tap the potential of increasing income, vigorously organize fiscal revenue according to law, and strive to ensure that all accounts receivable are collected. Local fiscal revenue growth in the city25.1%, higher than the national average growth rate.3.6Percentage points, municipal, 18 districts and counties and three districts increased respectively.24%、24.2%and30.4%. Binhai New Area will continue to play a leading role and complete local fiscal revenue.250.2Billion yuan, growth31%.

　　(B) the function of finance to promote the coordinated development of the three levels is effectively brought into play.

　　Focus on promoting the comprehensive reform of Binhai New Area, increase financial policy support, and actively promote the new area to increase reform and innovation in the fields of finance and land. Study and formulate preferential fiscal and taxation policies to support the accelerated development of the new district, increase financial capital investment, innovate investment and financing methods, expand the scale of investment and financing, and accelerate progress.“Liangganglianglu road"And other major infrastructure construction, accelerate the development and construction of new functional areas such as Dongjiang Bonded Port, Sino-Singapore Eco-city and Binhai High-tech Zone, and strive to enhance the service radiation function of the new area.

　　Comprehensive use of government investment, budget subsidies, loan interest subsidies and other financial policies, accelerate the construction of national biomedical international innovation park and civil aviation science and technology industrialization base, actively attract national key laboratories, R&D transformation centers, group headquarters and other institutions to settle in the new district, and support Airbus.A320With the construction of major projects, such as a series of aircraft assembly lines, the integration of one million tons of ethylene refining and chemical engineering, and the relocation of Tianjian, the scientific and technological innovation ability and development stamina of the new district have been significantly enhanced.

　　Adjust and improve the financial system in a timely manner, improve the incentive mechanism for increasing income, adjust the business tax of financial and insurance enterprises from municipal fixed income to sharing income between cities and counties, treat all the urban construction tax and education surcharge as fixed income of counties, support the adjustment and optimization of industrial structure in the central city, vigorously develop modern service industry and urban industry, support the comparative advantages of counties, vigorously develop characteristic economy, and strive to promote the coordinated development of Binhai New Area, comprehensively improve the central city and accelerate the development of counties.

　　(C) the role of finance in promoting sound and rapid economic development has been further improved.

　　Expenditure on urban infrastructure construction and maintenance394.8Billion yuan, growth23.3%. Taking the opportunity of co-hosting the Olympic Games and hosting the Summer Davos Forum, we will increase financial investment, make full use of market-oriented operation mode, strive to revitalize land resources, integrate all kinds of constructive funds, speed up the implementation of infrastructure construction and comprehensive environmental improvement, make significant progress in the comprehensive development of the upper reaches of Haihe River, complete the reconstruction and expansion project of tianjin railway station as scheduled, and build the subway.2、three、nineThe construction of Line 1 was accelerated, and the Tianjin trunk line project of South-to-North Water Transfer Project was officially launched. Complete comprehensive environmental improvement projects in key areas and key roads with high standards and renovate old buildings.50010,000 square meters, new green space.750010,000 square meters, the cumulative renovation of buses.3500Cars and taxis2.8Ten thousand vehicles, built.17A sewage treatment plant andthreeA reclaimed water plant, a new municipal underground pipe network.1300kilometre (km)The function of urban carrier has been further enhanced.

　　Science and technology expenditure28.7Billion yuan, growth29.2%. Further improve the system of scientific and technological innovation and accelerate its progress.twelveNational science and technology innovation platform construction, has been implemented.35A major project of independent innovation and industrialization, the first high-performance computer in China was delivered for use. Formulate and implement preferential fiscal and taxation policies, encourage enterprises to increase investment in research and development, add a number of engineering technology research centers and enterprise technology centers, and develop stem cell injections.81A new product, apply for a patent for invention126Pieces. Accelerate the implementation of the strategy of strengthening the city with talents, set up leading talents and introduce special funds, attracting a large number of outstanding talents at home and abroad.

　　Support enterprise development expenditureseventy-eightBillion yuan, growth31.5%. Focus on promoting structural adjustment, industrial upgrading and technological innovation, actively support the construction of major industrialization projects, and fully implement the enterprise income tax reform policy.,Promote the development of small and medium-sized enterprises and private economy. Implement fiscal and taxation policies to develop circular economy, set up special funds for energy conservation and emission reduction, and actively promote the waste heat recovery and transformation of Dagu Chemical Industry.51Construction of energy-saving projects, support for the establishment of Tianjin Emissions Exchange, and permission to carry out comprehensive pilot projects of emissions trading. We will implement the national policy of raising the export tax rebate rate, expand the scale of foreign trade development funds, and vigorously promote the steady growth of foreign trade exports. Implement fiscal and taxation policies to promote the development of modern financial industry, provide comprehensive services in all directions and in the whole process, attract a number of financial legal person institutions such as Minsheng Leasing Company and Korean Enterprise Bank to settle down, support the establishment of TEDA International Financial Investment Holding Company, Binhai International Equity Exchange and Tianjin International Economic and Financial Arbitration Center, successfully hold the Summer Davos Forum and the second China International Financing Fair for Enterprises, obtain approval for the establishment of the shipbuilding industry investment fund, establish the venture capital guiding fund, and achieve the goal of equity investment fund and venture capital fund.218Home, financial service system and innovation system have been continuously improved.

　　(D) The ability to ensure financial security and improve people’s livelihood has been significantly enhanced.

　　Social security and employment expenditure105.7Billion yuan, growth32.7%. Implement a proactive employment policy and a policy of entrepreneurship to promote employment, and increase the“4050”Personnel, zero-employment families and college graduates, support self-employment and self-employment, and create new jobs throughout the year.38Ten thousand people. Improve the social security system of coordinating urban and rural areas, improve the pension benefits of enterprise retirees, continue to make personal accounts for urban employees’ pension insurance, and establish a rural social pension insurance system; We will implement the basic medical insurance system for urban residents, improve the medical insurance measures for serious illness of migrant workers, and raise the financial subsidy standard for the new rural cooperative medical system. The participation rate of farmers in the city will reach.97.6%. We will improve the minimum living security and special care and relief subsidy standards for urban and rural residents, expand the scope of special hardship relief, and establish a linkage mechanism between the price increase of basic necessities and the living allowance for people in need. Increase financial investment, vigorously promote the construction of affordable housing, and timely introduce preferential tax policies to encourage residents to buy houses.13Ten thousand low-income families provide housing security. Formulate and implement fiscal policies to increase people’s income, promote enterprises to establish a synchronous growth mechanism of wages and benefits, steadily promote the reform of income distribution system in administrative institutions, and accelerate the implementation of housing monetization distribution policy. Timely disbursement of fuel subsidies such as bus passenger transport, taxis and heating enterprises to reduce the burden of rising energy prices on enterprises and residents.

　　expenditure on education141Billion yuan, growth29.2%. Implement the funding guarantee mechanism for compulsory education and fully implement it.“waive tuition and miscellaneous fees, supply free textbooks, and grant living allowances for boarders from financially disadvantaged families"Policy, improve the quota standard of public funds in primary and secondary schools.,Schools that take the lead in implementing compulsory education in urban and rural areas provide textbooks free of charge. Vigorously develop vocational education, accelerate the construction of vocational education training base, focus on supporting the construction of national demonstration schools such as vocational universities and Sino-German vocational and technical colleges, and successfully hold the first national vocational college skill competition. Full implementation of higher education investment“the 12th Five-Year Plan"Plan, accelerate58The construction of key disciplines, improve the financial aid system for students from poor families in ordinary colleges and vocational colleges, and promote educational equity.

　　Expenditure on cultural and sports media18Billion yuan, growth21.2%. We will increase investment in the construction of cultural and sports facilities, focus on supporting the reconstruction and expansion projects of large-scale cultural facilities such as Tianjin Library, Confucian Temple and Xiaobailou Concert Hall, fully complete the planning of exhibition hall layout projects, and the digital transformation of radio and television and the sharing of cultural information resources are progressing smoothly. The Olympic Sports Center Stadium is put into use, which fully guarantees the funding needs of the Olympic Games organization and torch relay. We will improve the public cultural service system, support the free opening of public cultural facilities such as museums and memorial halls, accelerate the implementation of cultural service projects such as community and township comprehensive cultural stations, support the creation of outstanding works and professional art troupes to perform at the grassroots level, and continuously enrich the spiritual and cultural life of the masses.

　　Medical and health expenditure41.9Billion yuan, growth27%. Increase investment in health care, actively integrate medical and health resources, and vigorously promote the construction of key projects such as Anding Hospital and Central Obstetrics and Gynecology Hospital. Improve the public health service system and provide it to urban and rural residents free of charge.18Public health services, support11This vaccine will be included in the national immunization program, and infants who are sick from eating tainted milk powder will be examined and treated free of charge, and the urban and rural family planning service network will be improved to expand the coverage of public health services.

　　Public security expenditure65.8Billion yuan, growth22.4%. Accelerate the construction of public safety system, ensure the funding needs of public security traffic control, fire control, food and drug safety and other departments, increase investment in special equipment such as fire prevention, disaster prevention, riot prevention and safety testing, and improve public emergency response and disaster reduction and resilience.

　　(E) financial support for the construction of new countryside has been increasing.

　　Expenditure on supporting agriculture38.5Billion yuan, growth43.9%. Increase investment in agricultural infrastructure construction, build and rebuild a number of farmland water conservancy facilities, vigorously organize the implementation of water-saving irrigation projects, and add facility agriculture.10Ten thousand mu, increase the area of water-saving irrigation.25Ten thousand mu. Increase investment in agricultural science and technology innovation, start the construction of coastal agricultural science and technology park and top ten seed industry bases, and support the deep processing of agricultural products.80A transformation and popularization project of agricultural scientific and technological achievements. Actively carry out policy agricultural insurance such as planting and breeding, and accelerate the accidental injury of farmers’ houses, family property and personal injury.“three basic insurances"Pilot, fully implement the fiscal and taxation policies and measures to support the development of dairy industry, and improve the ability of agricultural production to resist disasters. Establish a government-supported financing platform for bank-enterprise cooperation, loan guarantee and insurance guarantee, and guide more credit funds and social funds to invest.“agriculture, rural areas, and rural residents". We will fully implement the policies of strengthening agriculture and benefiting farmers, improve the methods of direct subsidies for grain, comprehensive direct subsidies for agricultural materials, subsidies for improved varieties and subsidies for the purchase of agricultural machinery, implement the project of improving farmers’ quality and increasing the income of low-income farmers, and increase farmers’ income through multiple channels. Actively support the construction of demonstration small towns focusing on the exchange of housing sites, accelerate the extension of water, electricity and other infrastructure to rural areas, continue to implement rural drinking water safety and pipe network household projects, build a number of rural public service facilities, and build and transform rural roads.1000kilometre (km)Afforestation22.7Ten thousand mu, the rural production and living environment has improved significantly.

　　Delegates, according to the decision-making arrangements of the CPC Central Committee and the State Council on counterpart support for post-earthquake recovery and reconstruction, our city should2008For three consecutive years since, each year according to the local fiscal revenue of the previous year.1%The scale of financing, earmarked for counterpart support in ningqiang county and Lueyang County, Shaanxi Province, is expected to be needed.twenty100 million yuan, and strive to basically achieve the goal of three-year post-disaster recovery and reconstruction in two years. Financial departments at all levels actively raise funds, and allocate funds by reducing departmental budgets, adjusting special expenditures, and using social donations.nine100 million yuan, mainly used for housing, infrastructure, schools and hospitals for victims and other subsidy projects. At present, the counterpart support work is progressing smoothly.

　　On the whole,2008In, the financial budget of our city was well implemented, the scale of revenue and expenditure was further expanded, and the ability to guarantee economic and social development was obviously enhanced. At the same time, there are still some problems that can’t be ignored in budget implementation and financial work, which are mainly manifested in the following aspects: the mechanism of fiscal revenue increase is not perfect, the foundation of revenue increase is not stable enough, the scale of revenue is not large, the local financial resources are less, and the dependence on a few industries is strong, so it is necessary to make great efforts to strengthen the construction of financial resources and tax sources and cultivate more revenue growth points; There are many new expenditure items and a large amount in budget implementation, and extravagance and waste still exist, which affects the binding and seriousness of departmental budgets to some extent. At the same time, the use of financial funds is scattered, the market-oriented financing ability is insufficient, and the contradiction of balance of payments is more prominent; The financial development of counties is unbalanced, the income structure of some counties is not reasonable, the disposable financial resources are small, and the financial operation is difficult; The scientific and refined tax management system is not perfect, and there are weak links in tax collection and management, so the tax service level needs to be further improved. We must attach great importance to these problems and actively take practical measures to solve them in our future work.

　　Second,2009Draft annual budget

　　20092008 is the year to meet the major challenges of the international and domestic environment and realize the Party Committee.“One two three four five six"The first stage of the goal is a crucial year for the task. We must conscientiously implement the spirit of the Fifth Plenary Session of the Ninth Municipal Committee, in accordance with“Maintain growth, tide over difficulties, and improve the level."Requirements, comprehensively do a good job in all financial work, and promote steady and rapid economic development.

　　(A) a comprehensive grasp of the financial and economic situation

　　At present, the international financial crisis is spreading rapidly, the world economy continues to be in a downturn, the external environment for China’s development is more severe, the economic operation difficulties are increasing sharply, and the difficulty of increasing fiscal revenue is further increased. The CPC Central Committee and the State Council assessed the situation, implemented a proactive fiscal policy and a moderately loose monetary policy in a timely manner, and introduced a series of macro-control measures to encourage investment and structural tax reduction, making every effort to maintain steady and rapid economic development. Judging from the implementation of fiscal policies in our city, the first is to implement the VAT transformation policy, which will include the input tax on equipment purchased by enterprises in the VAT deduction range, and it is expected to give enterprises tax reduction.45100 million yuan. Second, the income tax rate of domestic-funded enterprises is determined by33%Drop to25%, high-tech enterprises reduced by15%Income tax is levied at the tax rate, which is expected to reduce taxes for enterprises.33100 million yuan. Third, the interest income tax on savings deposits will be temporarily exempted, the business tax and deed tax on ordinary housing transactions will be reduced, and the land value-added tax and stamp duty on residential housing transactions will be reduced. It is expected that tax cuts will be given to residents and units.twenty100 million yuan. Fourth, the reform of fuel taxes and fees will be implemented, and six fees, such as road maintenance fees and road passenger and freight surcharges, will be abolished. The fuel consumption tax instead of being levied will be levied in the refined oil price, which is expected to reduce the fees for enterprises, institutions and residents.22100 million yuan. The above fiscal and taxation policies and measures will reduce taxes and fees for enterprises, institutions and residents.120100 million yuan, which will play an important role in further expanding domestic demand and promoting the steady and rapid economic growth of our city.

　　Since the Ninth Party Congress, the Municipal Party Committee has made a series of decision-making arrangements and adopted a series of major measures. The city has made great achievements in economic and social development, and has the material foundation and favorable conditions for accelerating development. In particular, Binhai New Area has become a new growth pole when it is incorporated into the national development strategy, and coordinated development at three levels has formed a new pattern of multi-point support and diversified development. The development stamina based on a large number of high-level projects has been significantly enhanced, which will surely effectively boost fiscal revenue to achieve stable growth. We must seize opportunities, meet challenges, give full play to fiscal and taxation functions, and strive to provide financial support and policy support for sound and rapid economic and social development.

　　(two) the overall requirements of budget arrangements and financial work

　　Fully implement the spirit of the 17th National Congress of the Communist Party of China and the Third Plenary Session of the 17th Central Committee, with Deng Xiaoping Theory and“Theory of Three Represents"Under the guidance of important thought, thoroughly implement Scientific Outlook on Development and General Secretary Hu Jintao.“Two are at the forefront of the country."、“A vanguard"Important requirements and the spirit of important instructions on Tianjin’s work, thoroughly implement the spirit of the Ninth Party Congress and the Fifth Plenary Session of the Ninth Municipal Party Committee, in accordance with the Municipal Party Committee“One two three four five six"We should conscientiously implement the proactive fiscal policy, give full play to the role of fiscal functions, accelerate the development and opening up of Binhai New Area, vigorously support the coordinated development of the three levels, actively promote the transformation of development mode and structural adjustment, and strive to promote steady and rapid economic development. Adhere to the principle of increasing revenue, reducing expenditure and making overall plans, adjust and optimize the structure of fiscal expenditure, increase investment in the public sector, and effectively protect and improve people’s livelihood. Deepen the reform of the fiscal and taxation system, improve the financial system and mechanism, actively innovate the financial management model, strengthen financial supervision and management, and strive to promote the scientific development and harmonious development of Tianjin.

　　(3) Budget arrangements for fiscal revenue and expenditure

　　According to the overall requirements of financial work and the main expected goals of economic and social development,2009Budget arrangement of the city’s fiscal revenue in1668.8100 million yuan, an increase over the previous year.12%Strive to exceed the income in budget execution. The city’s fiscal revenue deducted from the central revenue.673.2100 million yuan, local retained income995.6One hundred million yuan, of which the local general budget revenue756.6Billion yuan, government fund income.239100 million yuan. Plus the expected central tax rebate and transfer payment subsidies and other funds.165.6100 million yuan, the balance of last year145.9100 million yuan, the total budget of fiscal expenditure1307.1100 million yuan, an increase over the actual expenditure of the previous year.22.9%, in which the general expenditure budget1024.9Billion yuan, growth18.1%; Expenditure budget of government funds282.2Billion yuan, growth44.3%.

　　The city’s expenditure budget is divided according to the classification of government revenue and expenditure: education164.9Billion yuan, growth17%; science and technology33.2Billion yuan, growth16%; Culture, Sports and Media20.2Billion yuan, growth12%; health care50.3Billion yuan, growth20%; Agriculture, forestry and water conservancy45.7Billion yuan, growth18.5%; Social security and employment117.3Billion yuan, growth15%; environmental protection11.2Billion yuan, growth20%; Infrastructure construction and maintenance management498.1Billion yuan, growth30.8%; transportation29.2Billion yuan, growth21.2%; Industrial and commercial financial affairs97Billion yuan, growth24.4%; Funds of administrative institutions178.1Billion yuan, growth9.8%; Post-earthquake recovery and reconstruction6.8100 million yuan.

　　Municipal fiscal revenue budget755.5100 million yuan, an increase over the previous year.10%. Deduct the upper central income.289.2100 million yuan, local retained income466.3One hundred million yuan, of which the local general budget revenue325.2Billion yuan, government fund income.141.1100 million yuan. Plus the expected central tax rebate and transfer payment subsidies and other funds.146.8100 million yuan, the balance of last year79.3100 million yuan, less financial transfer payments to districts and counties.52.4100 million yuan, the municipal fiscal expenditure budget640100 million yuan, an increase over the actual expenditure of the previous year.16.7%, in which the general expenditure budget480.6Billion yuan, growth14.5%; Expenditure budget of government funds159.4Billion yuan, growth23.9%.

　　Municipal expenditure budget is divided according to the classification of government revenue and expenditure: education54.6Billion yuan, growth15%; science and technology23.5Billion yuan, growth15%; Culture, Sports and Media13.9Billion yuan, growth14%; health care19.8Billion yuan, growth23.5%; Agriculture, forestry and water conservancy28.7Billion yuan, growth20%; Social security and employment85.8Billion yuan, growth15%; environmental protection7.1Billion yuan, growth15.2%; Infrastructure construction and maintenance management253.4Billion yuan, growth22.6%; transportation27.1Billion yuan, growth11.7%; Industrial and commercial financial affairs19.9100 million yuan, down11.9%; Funds of administrative institutions88Billion yuan, growth11.4%; Post-earthquake recovery and reconstruction6.8100 million yuan.

　　Fiscal revenue budget of the three districts312.4100 million yuan, an increase over the previous year.14%; Financial expenditure budget146.7100 million yuan, an increase over the actual expenditure of the previous year.23%.

　　Generally speaking, this year’s fiscal revenue budget takes into account the steady and rapid economic and social development, the development and opening up of Binhai New Area, the accelerated construction of major industrialization projects, and the strengthening of tax collection and management, as well as the negative impact of the state’s policy of encouraging investment and stimulating consumption on fiscal revenue; The fiscal expenditure budget comprehensively considers the expenditure needs of promoting economic and social development, improving people’s livelihood and promoting rural reform and development, and embodies the principle of being active and steady. In the implementation of the budget, we should vigorously organize fiscal revenue, adjust and optimize the expenditure structure, concentrate funds to ensure key expenditures, and ensure a balanced budget for the whole year.

　　Third, work hard and work hard to ensure the completion of the whole year.

　　Revenue and expenditure budget task

　　Finance and taxation departments at all levels should, in accordance with the requirements of the Fifth Plenary Session of the Ninth Municipal Committee, further enhance their sense of hardship and responsibility, deepen fiscal and taxation reform, strengthen financial management, blaze new trails, overcome difficulties, creatively carry out their work, and strive to promote sound and rapid economic and social development.

　　(1) Effectively strengthen revenue collection and management to ensure sustained and steady growth of fiscal revenue.

　　Fully grasp the impact of macroeconomic trends, national regulatory policies and regional economic development and changes on fiscal revenue, carefully analyze and study key and hot issues in economic operation, and formulate effective measures to increase revenue in time to ensure the synchronous growth of fiscal revenue and economy. Fully grasp the investment and project progress of major industrialization projects, strengthen the whole service and follow-up analysis of projects, coordinate and solve relevant fiscal and taxation problems in time, vigorously cultivate financial resources and tax sources, and strive to form a pattern of multi-point support and multi-polar growth in fiscal revenue increase.

　　Accelerate the improvement of modern tax collection and management system, further improve the benign interaction mechanism of tax economic analysis, enterprise tax assessment, key tax source monitoring and tax inspection, comprehensively implement scientific and refined tax management, actively promote the construction of tax administrator platform, gradually promote the application of tax-controlled collection devices, strengthen the management of taxes by tickets, deeply tap the potential of tax collection and management, increase tax inspection, crack down on tax evasion, and effectively plug the loopholes in tax collection and management. Improve the control mechanism of tax sources, strengthen the coordination between finance and taxation, industry and commerce, housing management, transportation and other departments, improve the information networking and data exchange system, continuously improve the level of income control, and strive to achieve all accounts receivable.

　　Establish and improve the fiscal revenue target responsibility system, further improve the decision-making objectives, implementation responsibilities and assessment and supervision system of the fiscal and taxation departments, refine the revenue target responsibility, and earnestly ensure that everyone has a task and implement it at all levels. In accordance with the administrative divisions and the division of responsibilities of the competent departments of enterprises, the fiscal revenue growth targets of regions and departments are determined, and they are included in the assessment scope of the city’s work targets, and the implementation situation is announced on schedule, and efforts are made to form a situation in which all districts, counties and departments jointly promote fiscal revenue.

　　(2) Give full play to the role of financial functions and strive to promote steady and rapid economic development.

　　Accelerate infrastructure construction. Conscientiously implement the proactive fiscal policy, increase financial investment, integrate all kinds of constructive funds, attract social investment, accelerate the development and construction of Binhai New Area, focus on supporting the construction of major functional areas such as Sino-Singapore Eco-city, Dongjiang Bonded Port, Yujiapu Financial and Business Center, support the expansion of the main channel of Tianjin Port and the second phase expansion of Binhai International Airport, and continuously enhance the service radiation function of the new area. Accelerate the construction of government investment and financing platform, raise construction funds through multiple channels, speed up the improvement of modern transportation system, and focus on supporting Beijing-Shanghai high-speed railway, Tianjin-Qinhuangdao and Tianjin-Baoding passenger dedicated lines and subways.2、three、nineLine 1 and other rail transit construction, support the construction of highway transportation such as Haibin Avenue, Tianjin Avenue and Tuanbo Expressway, support the construction of transportation facilities such as tianjin railway station underground transportation hub and Tianjin West Railway Station, and accelerate the upgrading of urban carrier functions. according to“Two-level government and three-level management"Mode, to further improve the methods of raising funds for urban management, make full use of market-oriented operation mechanism, actively promote a new round of comprehensive improvement of city appearance and environment, and focus on the transformation and upgrading of water parks and South Cuiping Parks.sixPark, comprehensive renovation of the tower, the temple of literature, etc.fiveIn this area, Weijin South Road and Changjiang Road will be transformed and improved.14Urban roads, renovation.102Piece lane road, comprehensive management of urban-rural junction and urban village. Increase investment in environmental protection and ecological construction, build and rebuild a number of sewage treatment plants and garbage disposal facilities, support key projects such as coal-fired boiler renovation and water environment management, and accelerate the implementation of greening on both sides of expressways.10A afforestation project construction, constantly optimize and beautify the urban and rural environment.

　　Vigorously support the accelerated development of advanced manufacturing and modern service industries. Adjust and improve the fiscal policy, increase financial investment, actively promote the construction of major industrial projects through government subsidies, loan interest subsidies, tax incentives, etc., and focus on supporting a new generation of launch vehicles.300Ten thousand tons of shipbuilding, ZTE’s northern base and other projects were accelerated. Fully implement the measures to promote the development of service industry74A fiscal and tax preferential policies, actively support.twentyThe construction of a major modern service industry project will vigorously support the development of high-end service industries such as modern finance, international logistics, tourism exhibitions, e-commerce and service outsourcing. We will increase support for small and medium-sized enterprises, increase government guarantee funds, continuously improve financing conditions for enterprises, improve the social service system, and support the accelerated development of small and medium-sized enterprises and the private economy.

　　Actively promote scientific and technological innovation and energy conservation and emission reduction. Further improve fiscal and taxation support policies, increase financial investment in science and technology, accelerate the improvement of the scientific and technological innovation system, support the construction of a number of key laboratories, engineering laboratories, enterprise technology centers and engineering centers, promote the development of scientific and technological business incubators, and build a scientific and technological innovation support platform. Make full use of comprehensive financial means, accelerate the construction of R&D transformation bases and scientific and technological industrialization bases, support major independent innovation projects such as digital equipment and electric vehicles, and promote drug R&D and manufacturing.15Independent innovation projects to achieve industrialization. Encourage venture capital, support the introduction of leading talents and optimize the environment for innovation and entrepreneurship. Increase investment in energy conservation, support energy conservation and consumption reduction in key industries such as metallurgy, petrochemical and electric power, accelerate the construction of Ziya circular economy industrial park, and vigorously develop circular economy.

　　(C) increase investment in the field of people’s livelihood and promote the building of a harmonious society

　　We will implement the strategy of expanding employment and promoting employment development through entrepreneurship, comprehensively use government subsidies, tax reduction and exemption, loan interest subsidies and entrepreneurship training, actively develop public welfare posts, encourage enterprises to absorb laid-off and unemployed people, and support self-employment and self-employment. Establish an employment assistance system for all urban and rural disadvantaged groups, fully implement the social insurance subsidy policy, support the creation of employment service carriers, and expand the scale of reemployment personnel.

　　Increase financial investment and improve the social security system. We will continue to improve the pension benefits for enterprise retirees, establish a pension security system for urban and rural residents and a basic medical insurance system for residents, and raise the subsidy standard for new rural cooperative medical care. We will implement social pooling of civil servants’ medical subsidies, improve the subsidy standards of public institutions, and implement the docking of medical assistance and basic medical insurance. We will fully implement the urban and rural subsistence allowances and poverty relief systems, continue to raise the subsidy standards for subsistence allowances and special care recipients, and further improve the linkage mechanism between the price increase of basic necessities and the living allowance for people in need. We will improve the housing security mechanism for low-income families, expand the scope of security, raise security standards, increase the scale of affordable housing construction, and strive to improve the living conditions of low-and middle-income people. Improve the level of socialized service for the aged. We will adjust and improve policies and measures to increase the income of urban and rural residents, improve and improve the normal wage growth mechanism of enterprise employees and the normal adjustment system of welfare benefits, further standardize subsidies for civil servants, and promote the reform of the income distribution system of public institutions.

　　Adhere to the strategy of giving priority to education and support the balanced and coordinated development of education at all levels and types. Accelerate the implementation of performance pay and modernization standards in compulsory education schools, continue to raise the standard of public funds, and improve the free compulsory education system in urban and rural areas. Accelerate the construction of experimental areas and training bases for vocational education reform, promote the gathering of vocational colleges and the sharing of educational resources, and start the construction project of new vocational education areas. Actively support the construction of key disciplines, key laboratories and key talents in colleges and universities, and promote key universities.“211”Project, improve the student financial aid system in colleges and vocational colleges.

　　Actively promote the reform of the medical and health system, improve the government compensation mechanism for public health, strengthen the prevention and treatment of major diseases and key infectious diseases and chronic diseases, and improve urban and rural areas18A public health service subsidy standard, free of charge for26010,000 women of school age should have specialist physical examinations, and the construction of district and county centers for disease control and prevention should be accelerated.,We will fully implement the policy of supporting and rewarding family planning. Vigorously promote the adjustment of the layout of health resources, build a central obstetrics and gynecology hospital, actively support the construction of key projects such as Tianjin Hospital, Chest Hospital and Nankai Hospital, further improve the urban community health service system, and improve the three-level rural health service network. We will improve the financial compensation mechanism of municipal public hospitals above the second level, fully implement online centralized procurement of drugs by medical institutions, and support community health and medical service institutions to implement drugs.“Zero difference rate"Sales, reduce the price of drugs, and strive to alleviate the problem of people’s difficulty in seeing a doctor, expensive medical treatment, and the use of safe drugs.

　　Increase investment in public welfare cultural construction, establish a public cultural service system covering the whole society, actively support the construction of key cultural facilities such as Yangliuqing New Year Picture Art Center and Li Shutong Memorial Hall, and accelerate the implementation of public cultural service projects such as rural film screening and farmer’s bookstores. Formulate and implement preferential fiscal and taxation policies, promote the restructuring of cultural industries, and actively support the cultural product market and the construction of factor markets. Accelerate the transformation and improvement of key sports venues and facilities, and actively do a good job in the firstnineUniversiade and the firstsixPreparations for the 2008 East Asian Games, support for the preparation of the first11The third national games. Increase public safety investment, improve emergency response mechanism, improve the level of modern equipment, and comprehensively promote the construction of a safe Tianjin.

　　(4) Consolidate and improve the policy of strengthening agriculture and benefiting farmers, and accelerate rural reform and development.

　　Improve the agricultural investment guarantee mechanism, ensure that the growth rate of financial investment in agriculture at all levels is higher than the growth rate of recurrent income, substantially increase the investment in rural infrastructure construction and social development, increase the proportion of government land transfer income and farmland occupation tax for agriculture, improve the financial subsidies for agricultural insurance, agricultural product price protection and other systems, further improve agricultural subsidy policies, raise subsidy standards and expand the scope of subsidies. Continue to support farmers’ quality education projects, increase farmers’ vocational skills training, enhance the employability of rural surplus labor, and continuously broaden the channels for farmers to increase their income.

　　Further strengthen the construction of agricultural infrastructure focusing on farmland water conservancy, vigorously develop modern agriculture and speed up construction.twelveA modern agricultural demonstration park and33A breeding demonstration park, new facility agriculture.10Ten thousand mu. Implement the project of benefiting farmers through science and technology, improve the transformation and popularization mechanism of agricultural scientific and technological achievements, and improve the level of agricultural science and technology and research and development. Support the development of non-agricultural industries, increase special support funds for rural industries, improve the financial discount policy, and focus on supporting district and county development zones, township industrial parks and major projects to accelerate construction. We will increase support for rural financial policies, establish a rural credit guarantee mechanism with government support, multi-party participation and market operation, expand cooperation between banks and governments, and guide more credit funds and social funds to invest in rural areas.

　　We will expand the scope of public finance to cover rural social undertakings, and increase the funds for education, health, culture and other undertakings for rural areas, and strive to achieve equalization of urban and rural public services. We will continue to shift the focus of major infrastructure construction and capital use to rural areas, further improve the urban and rural transportation system, and accelerate the implementation of rural highway construction and renovation projects. Actively support key shelterbelts, irrigation area management, drinking water safety, garbage and sewage treatment and other projects, vigorously promote the construction of demonstration small towns and civilized ecological villages, and accelerate the process of rural urbanization.

　　(5) Formulating and implementing comprehensive fiscal and taxation policies to solve practical problems for enterprises.

　　Increase financial investment in stabilizing economic operation, integrate all kinds of special funds, support the establishment of loan guarantee funds in all districts and counties, improve the loan guarantee system for small and medium-sized enterprises, encourage financial institutions to increase the scale of credit supply, and focus on supporting enterprises with market demand, enterprises with great development potential and projects with quick investment results to alleviate the temporary difficulties of some enterprises. Adjust the use direction of financial industry development funds. At present, we mainly give play to the guiding role of financial funds by means of loan discount, and enlarge the scale and use effect of funds. Encourage the society to set up loan guarantee institutions, give support through capital injection, risk compensation, tax relief and other ways, and improve the social service system for small and medium-sized enterprises.

　　Take active measures to reduce the burden on enterprises and stabilize the employment situation.2009In 2008, the four social insurance rates for urban workers’ basic medical care, unemployment, work injury and maternity were appropriately reduced for enterprises in difficulty. Enterprises in difficulty are allowed to delay the payment of social insurance premiums within a certain period of time, and enterprises in difficulty who adopt on-the-job training, shift work, salary negotiation and other measures to stabilize the workforce are given unemployment insurance subsidies and post subsidies for a certain period of time through the use of unemployment insurance funds; For enterprises to carry out on-the-job training costs beyond the pre-tax expenses limit, with special funds for re-employment to give appropriate support.

　　Implement the new announcement of the state to cancel and stop the collection100An administrative fee policy, the city will cancel and stop collecting land registration fees, etc.nineFees, and strive to reduce the burden on enterprises. Actively support enterprises in our city to innovate brands, products and intellectual property rights. Government procurement adopts public bidding, invitation bidding, competitive negotiation and inquiry procurement, and gives priority to local products and services under the same conditions. Actively organize the implementation of home appliances to the countryside activities, to buy household appliances into the scope of promotion, according to the sales price.13%Give financial subsidies. Encourage the sale of commercial housing, give preferential treatment to reduce deed tax for individuals to buy ordinary commercial housing, and give business tax reduction and exemption policy for individuals to transfer ordinary housing within a certain period of time.

　　(6) Deepen the reform of the financial management system and accelerate the establishment of a financial operation mechanism conducive to scientific development.

　　Actively innovate the financial management mode, vigorously promote the reform of government investment and financing, give full play to the guiding role of fiscal policy and financial funds, further improve the market-oriented operation mechanism, speed up the establishment of government investment and financing platforms, raise funds through multiple channels and diversification, revitalize urban resources, improve the land reserve system, expand the scale of government revenue, and strive to achieve overall balance, virtuous circle and rolling development of construction projects, so as to provide a stable source of funds for urban infrastructure and ecological environment construction.

　　We will strengthen expenditure management in an all-round way, actively adjust and optimize the structure of fiscal expenditure, vigorously reduce general and consumable expenditures such as conference fees, car purchase fees, reception fees and overseas expenses, implement a policy of zero growth of public funds, concentrate financial resources on major projects that have a bearing on the overall economic and social development, and effectively spend money on ideas and on the cutting edge. Strengthen the control of expenditure budget process, strictly manage the examination and approval of new expenditure items, and all relevant departments should make overall plans to solve the new expenditure items outside the budget in principle from the department’s cut-off funds, and generally no additional budget will be added to the finance, so as to effectively enhance the binding and seriousness of the budget.

　　Improve the performance evaluation system, deepen the reform of budget management system such as departmental budget, centralized treasury receipt and payment, and government procurement, establish an interactive mechanism combining performance evaluation with budget arrangement and fund allocation, implement the management mode of bundling budget with performance and linking performance with performance, and continuously improve the scientific, normative and effective financial management.

　　Delegates,2009The financial operation in is facing unprecedented difficulties, and the task of increasing revenue and reducing expenditure is very heavy. We must, under the leadership of the Municipal Party Committee and the Municipal Government, with the supervision and support of the Municipal People’s Congress, strengthen our confidence, work hard, take the initiative to meet challenges, do a solid job, strive to create a new situation in financial work, and make new contributions to the realization of Tianjin’s scientific development, harmonious development and pioneering development.